davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-20
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. (GA)

I lost my wallet while attending a football game in XXXX that included my driver 's license and social security card. I was unable to recover it. I recently pulled a copy of my credit report and noticed addresses and accounts that I have no affiliation with. I contacted the credit reporting agencies and notified them that someone has accessed my information and applied for lines of credit in my name and a fraud alert was placed on my account. I not only contacted each bureau by phone but requested verification and that all fraudulent addresses be removed from my account by mail in XXXX XXXX XXXX XXXX XXXX. I requested the accounts be verified and have yet to receive a formal response. Furnishing accounts to my credit profile in result from identity fraud violates FCRA 15 USC 1681c-2 and my consumer rights. 

I also noticed credit inquiries listed on my reports that I did not authorize or apply for from the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furnishing these inquiries I have no knowledge of or have given written consent for is in violation of 15 USC 1681B. 

I also requested that all fraudulent addresses that I have never resided be deleted and my current any only address be updated on my profile. I see that credit reporting agencies have also not updated this information per my request.
Consumer complaint received 2020-11-26
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. (VA)

On XX/XX/2020 I have submitted dispute documents for those unknown and inaccurate accounts on my credit report. I was a victim of the Equifax data breach. I demand to immediately delete those accounts on my credit report or I will file for litigation.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-06-25
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pressler & Pressler, LLP (NJ)

In XXXX of 2015 my bank account was seized by Pressler & Pressler who are representing XXXX XXXX XXXX for a debt that I dont believe is mine. I got the courts to release the money on the XXXX asset rule and the debt was taken off of my XXXX report and marked satisfied on XXXX. At the time I thought it might be XXXX as the original creditor. A year later they have seized my bank account again and now they say the creditor is actually XXXX. I do not owe XXXX I dont even know who they are. In the meantime I can not get Pressler & Pressler to prove validity of the debt. they claim it has to be mine because they were awarded a judgement that I knew nothing about. Original papers were sent to outdated address. How can I get these people to Validate this debt or at least leave my bank account alone. They have refused to help me get any information at all.
Consumer complaint received 2020-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Late afternoon XX/XX/XXXX, I received an e-mail from Bank of America that my credit card bill had not been paid because they were unable to withdraw funds ( {$10.00} ) from my Pay From account and that my Bill Pay service had been suspended. I was confused because I had accessed my account online just two days earlier and the web site indicated that payment had been made. I immediately called the number provided in the message and found that the bank had  attempted to withdraw funds from an account I had closed XX/XX/2015 rather than my current account. I don't know how the error occurred, but I was able to correct it over the phone and authorized payment of my bill from the correct account. 

The Bank of America employee told me that I would not be able to access my account for a couple of days while my Bill Pay service was reinstated, but that there shouldn't be any problem. He said that I would see an entry showing the original payment from the incorrect account had been reversed and that a new payment had been withdrawn from the correct bank account. I was informed that there would not be any additional charges or fees when I inquired about that possibility.

When I was once again able to access my account, I found, contrary to what I was told, that I was charged a Returned Check Fee ( {$10.00} ) and interest ( {$1.00} ). Over the last two weeks, I have repeatedly tried to contact Bank of America using the phone number on my credit card and one that they provide on their web site for service and have not been able to reach an agent no matter what combination of responses I give to their automated system. While the web site has automated means for disputing purchases, there is no means for addressing issues with fees or interest charges, and there is not means of e-mailing them the details. I have also been unable to find any information about how I might contact them by the U.S. mail.

I have made a good faith effort to get this problem resolved, so I am asking the CFPB to intervene and compel Bank of America to contact me so this issue can be resolved.
Consumer complaint received 2023-07-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KS)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WA)

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$380.00} written off. 
XXXX XXXX  Under dispute Date opened XX/XX/XXXX XXXX {$740.00} Status Account charged off. {$740.00} written off. {$740.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX dispute Date opened XX/XX/XXXX XXXX {$1100.00} XXXX Account charged off. {$1200.00} written off. {$1100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX dispute Date opened XX/XX/XXXX XXXX {$0.00} XXXX Account charged off. {$470.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Account charged off. {$1300.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$3800.00} XXXX Account charged off. {$3800.00} written off. {$1600.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XX/XX/XXXX Balance {$1200.00} {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
XXXX BANK Potentially negative XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX XXXX 
Collection accounts XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$480.00} Status Collection account. {$480.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$470.00} XXXX XXXX account. {$470.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1200.00} XXXX XXXX account. {$1200.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$380.00} XXXX XXXX account. {$380.00} past due as of XX/XX/XXXX.
Consumer complaint received 2023-07-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

I am sending today my CFPB Complaint in contempt of my credit report I found out that there are some late accounts. I guess I have always made my payments on time. For some reason, I realized that there were late payment on my credit report and I do not believe I was late on the dates they are reporting. These accounts should not be showing the current status of late since it's already been paid for. It seems impossible to appear late on an accounts that has already been paid. These accounts should be corrected as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-14
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. (CA)

I checked my XXXX XXXX account it it showed me XXXX XXXX accounts withour an account number. The first one was opened XX/XX/2019. The account status is still open and the original creditor name is XXXX XXXX and It says I have a balance of {$180.00}. Same thing with the other account with the same info and another one with a balance of $ XXXX.The account open dat was the same XX/XX/2019 all the same origilnal creditor name. I don't know these accounts.
Consumer complaint received 2021-11-29
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. (PA)

i have written XXXX XXXX, Transunion, and experian to investigate this account and that it is reporting 100 % accurate and factual... ..each time they write back and say that it is verified as accurate,,, ,how is this so? they did not investigate this account as look at the inaccurate reporting on my credit report that i have attached ... ..it says that it is an open account and it also says that it is a charge off ... how is that possible? it can not be both... .one is reporting 0 months in terms and the other is reporting 0 ... .the comments are way different between bureaus ... ... ..the date of last active are different between bureaus ... ..account type detail is are different between bureaus ... .they are just pencil whipping this and not conducting proper in investigations ... this is just what i see with my untrained eye ... if they are investigating this as they should be they should be catching this right away with their trained professional eyes.
Consumer complaint received 2020-05-21
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)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; U S DEPT OF EDXXXX XXXX XXXX  XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2023-07-14
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. (TN)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-20
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. (NC)

I attended a private event in XXXX and my belongings were stolen including my social security card and driver 's license. Myself along with the other guests reported the incident to local authorities on site. I recently obtained a copy of my credit report and noticed accounts with XXXX and XXXX, that I've never applied for or authorized. I contacted the credit reporting agencies in XX/XX/XXXX, notifying them of the identity theft and requesting verification. 
Furnishing accounts to my report in direct relation to identity theft is in violation of 15 USC 1681c-2. 

I've sent two letters requesting an update and verification with no formal response. I also noticed credit inquiries on my report that I have not authorized. Furnishing information to my profile without my written consent or permission is in violation of 15 USC 1681. These inquiries I have no knowledge of include : XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, After further investigation of my profile, I noticed addresses listed where I've never lived. With me having a common name this is affecting my credit and ability to obtain credit. I've also requested for these previous addresses to be removed, and only report my current address.
Consumer complaint received 2024-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: KEYCORP (OH)

Companys involved : XXXX & key bank Key bank report number : XXXX ( Police XXXX and report number ) Police report # : XXXXXXXX XXXX XXXX XXXX # XXXX Detective Direct Number : XXXX XXXX Ohio XXXX XXXX : XXXX ( XXXX XXXX XXXX  Id ) : XXXX  XXXX I was running a small studio business out of my house I had a client XXXX me at gunpoint ( XX/XX/2023 ) and took all my money including other valuables He took my phone that was on my desk and sent himself {$530.00} On XXXX I didnt authorized this transaction I contacted key bank about this transaction and they resolved it in a timely manner but then a few months later I open my bank and see {$530.00} Missing out of my bank account they said the evidence I gave them was not enough so they took back the funds. I called key bank and asked to re open the case and gave them police report numbers and they said they would give me a resolution by XX/XX/XXXX Fast forward to XX/XX/XXXX I call back key bank and they say that the investigation is still going on and waiting for XXXX XXXX Ive given them all the information they could need including police report numbers Dates Police phone numbers listed above But they keep delaying a resolution I called XXXX  support and they keep telling me they are working with my bank to resolve the issue but theyve just been delaying it
Consumer complaint received 2023-07-14
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account # XXXX, Account name : XXXX Account # XXXX, Account name : XXXX Account # XXXX, Account name : XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX Account # XXXX.Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX Account # XXXX, Account name : XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account # XXXX , Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX XXXX Account # XXXX, Account name : XXXX Account # XXXX, Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.