davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : XXXX. FDCPA XXXX False misleading information FDCPA XXXX furnishing deceptive forms. This agent is in violation of XXXX XXXX XXXX Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once. 

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2022-03-16
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)

Equifax supplied my Credit Report to an attorney, XXXX XXXX, who had no authorization to request and Equifax had no authorization to provide in the 1990 's. 
I have filed this complaint before and Equifax does not respond nor take any responsibility for the illegal breach of my personal information.
Consumer complaint received 2022-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (NV)

I have received 2 collection letters from Linebarger Goggan Blair & Sampson LLC for a for a traffic violation out of XXXX XXXX Florida dated XX/XX/XXXX for {$230.00}. 

I am not the person named in the account, though I have a similar first name and the same middle and last name. Additionally I have not been to Florida since XXXX and have never received a traffic violation there, let alone in XXXX of XXXX. 

I have attempted to call their number and been on their website multiple times over the last 2 months and there are no options to speak to someone or notify them that they have the wrong person.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (SC)

I received the attached documents in the mail today. This is the 2nd time that I have received documents claiming a security breach. The 1st was from some XXXX XXXX XXXX, which I never heard of before & this one is from XXXX, also unknown. Both inquiries included credit reporting agencies.
Consumer complaint received 2022-08-22
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: REGIONS FINANCIAL CORPORATION (TX)

I sent Regions Bank an affidavit XXXX XXXX regarding an account opened without my permission. I received a response on XXXX XXXX from an XXXX XXXX from the XXXX XXXX department that the account was frozen. Until this date the accounts are reporting on my XXXX, and XXXX credit profile, ( XXXX ) ( XXXX ). In accordance with the Fair Credit reporting act, Regions Bank has violated my rights. 

1

5 USC 1681 Section 602 States I have the right to privacy.

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

15USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Attached is the documentation that was sent and the response email. 

idtheft XXXX XXXX XXXX, XXXX, XXXX AM to me Hello, Your affidavit has been received. We have frozen the account ( s ) opened with your information. We will review the affidavit and close any accounts opened fraudulently. At the completion of our investigation, a resolution letter will be mailed to you. Please allow 30-45 days for the investigation to be completed. 



Thank you, XXXX XXXX XXXX XXXX XXXX Team Lead Corporate Security Regions Bank
Consumer complaint received 2023-04-15
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. (GA)

I did not provide the credit reporting agencies with written permission to report any of these accounts that I am requesting to be removed. That is a violation of 15 U.S. Code 1681b ( a ) ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

This leads way to identity theft.

The definition of a credit card per 15 U.S. Code 1602 ( l ), means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
That means I did not provide a company ( company reporting ) with consent to share your credit card ( ID, SSN, etc ) with another entity ( Experian ) this is a violation of 15 U.S. Code 1681s-2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The information is not information relating to any transaction made by the consumer ( me ).
Consumer complaint received 2022-03-16
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. (CA)

Good Afternoon, What company, entity, or organization is engaging in conduct you believe violates the antitrust laws? 
XXXXXXXX XXXX and Credit Reporting Bureaus How do you believe this entity may have harmed competition? 
XXXXXXXX XXXX  sold several accounts to other Mortgage institutions, which closed the old accounts of several mortgage holders ( me being one of them ) and transferred them to the new mortgage company. 

As a result, it was reported as a closed account to the credit bureaus, which caused my credit score to drop an average of XXXX points. The same is happening for people who sell their homes. With lower credit scores, people now have to acquire less favorable interest rates and terms on new loans and have their existing creditworthiness come into question by other creditors on their files. 

What is your role in the situation? For instance, are you a customer, competitor or supplier? 
My mortgage loan was transferred from XXXXXXXX XXXX to XXXX XXXXe XXXX XXXX. The XXXX XXXX was reported as 'closed, ' which caused my credit score to drop by XXXX points. I am in the middle of applying for a second home loan and was told that my rates will dramatically change with a XXXX point drop on my score. 


I contacted both XXXX XXXX and all credit reporting Bureaus and was told that there is nothing they can do. According to 15 USC CHAPTER 41, SUBCHAPTER III : CREDIT REPORTING AGENCIES, the Accuracy and fairness of credit reporting is manipulating and " directly impair the efficiency of the banking system. ''
Consumer complaint received 2022-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I filed a complaint in XX/XX/XXXX. This bank is not trying to help me at all. I deposited a almost XXXX check on XX/XX/XXXX they closed my account at the close of business that day and they refuse to send me my funds. Ive called numerous times and this is my second complaint. I was contacted by a XXXX from the office of the chairman she gave me her contact info but she never answers or return my calls.I called her 5 times today to check the status she did not return my calls. She called me last week Tuesday and the XXXX and said she would follow up the very next day in regards to expediting my funds to me and nothing. At this point I would like to be in contact with her boss or some other person genuinely interested in helping me.
Consumer complaint received 2022-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

When this account was opened, I was a minor child at the age of XXXX XXXX XXXX. The accounts listed does not belong to me and are a result of identity theft. I have shown proof of my identity and that I was a minor child at the time the accounts were opened and the companies failed to investigate and see that I was a minor and could not have opened these accounts. They are refusing to remove collection accounts that do not belong to me. I have no knowledge of this account.
Consumer complaint received 2022-03-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

this account XXXX XXXX XXXX XXXX is inaccurate & should not be on my credit report, this inaccurate information is henidering me from mortage approval, I am asking that you remove ASAP, I have no knowledge of this account & it should not be on my report. thank you
Consumer complaint received 2022-03-16
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. (MI)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this XXXX XXXXXXXX n now XXXX XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now
Consumer complaint received 2022-08-22
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. (NY)

In accordance with the Fair Credit Reporting Act, XXXX  XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 Ay States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-22
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. (NY)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 Ay States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-01-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

In XXXX or XX/XX/XXXX Suntrust Bank closed my Checking and Banking account without any explanation. 

I called the office bank no explanation was given all I was told that it was fraud. 

After about a month they gave me permission to get my money release from my checking. 

I've was asked to prove my identity send in documents to prove my business. 

How does a bank ask you to prove your identity when I've been banking with them over 5 years. 

I did this and it hadn't made a difference they still have my funds. Now they keep telling me call back every 5 days. 

I am.beyond frustrated. I feel this basically all over my Race as a XXXX XXXX I have to committing fraud. 

I have a legitimate business. My business account funds are being held. 

I know somewhere this is totally against the law in America. 

They also made it impossible for me to open another account with a financial institution. 

It's XX/XX/XXXX. Still waiting for a apology and my funds.
Consumer complaint received 2022-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation reports. This creditor has reported a late payment DATE to my report which is incorrect, and I am asking this be deleted immediately. 
Name of Creditor XXXX Account Number XXXX Late Payment Date XXXX- XX/XX/2020 Name of Creditor XXXX Account Number XXXX Late Payment Date XXXX- XX/XX/2020 XXXX
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Velocity Portfolio Group (CO)

I paid a collection from CKS Financial on XX/XX/XXXX for the amount of {$210.00}. During my conversation with one of the agents, I was told that if I paid the amount, the collection would be removed from my credit report. It looks like a mark from CKS was later added in XXXX of XXXX after a payment of {$210.00} was made. I have tried to contact CKS Financial but they will not return my calls or email.
Consumer complaint received 2022-01-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Audit & Adjustment Co. Inc. (WA)

Either my wife or I visited XXXX XXXX XXXX on XX/XX/XXXX. XXXX. My wife and I were estranged in XXXX, and I no longer lived at residence. I was XXXX  and in a XXXX XXXX from XXXX XXXX to XX/XX/XXXX. It took me another month before I could get my mail as I was technically XXXX  and needed to get mail from wife who didn't want to see me. In XXXX I got the bill for the XX/XX/XXXX service. At that time, I paid what I could and then went about setting up a payment plan with XXXX. At some point after that, mail from Audit and Adjustment company was being sent to my wife 's address. When I finally got it, I went to the website the collector gave me on their notice and input the account number they provided to make payments. All bundled together and no way to differentiate were XXXX XXXX which I assumed I had payment plan with, and discharged debts from my bankruptcy in XXXX. Which I know the collector was notified at every possible address associated with them. I can provide court documents. No way to not pay just the hospital bill. I needed to pay all including discharged debt. According to my statements I receive every month online from the hospital, everything is okay. I had no way of knowing whether my insurance finally remitted payment or what. All debts with hospital bills are under one account and once I setup automatic payments it all went green. This seems like dirty pool. When you are hospitalized for an extended time and can't get to mail. You shouldn't get out and get your mail and see a final notice statement when you had just gotten a first notice and the balance was still pending insurance claim processing. I didn't even have a chance to pay before it was in collections hands with them trying to collect whole account that includes discharged debts. Not get any notification as their notices were going to my estranged wife who was just throwing mail into a shoe box. I never got voicemail. Only voicemails I get are no information at all, just " to avoid further actions on our claim for damages, call xxx ''. I've never received recent communication about this and assumed according to statements from hospital that everything was just fine. I never received notification that the debt was turned over. I figured there was a lag in communication, and it was taken care of. Notice from XXXX I received in XXXX tells me to go online, enter account number and pay balance in full. If pay the balance of account in full, I'll also be paying discharged debt, and a debt I was led to believe was part of my payment plan with XXXX XXXX XXXX.
Consumer complaint received 2022-01-12
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: EQUIFAX, INC. (PA)

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 sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair credit reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-08-23
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. (CA)

This is XXXX XXXX and I am submitting this CFPB complaint to you today to address the negligence, incompetence, and indifference of the Credit Reporting Agencies. I have been disputing my Credit Report for over a year now and the accounts I have been disputing were the results of my identity being stolen. Under the FCRA section 605b, the Credit reporting Agences are required to remove any account and information not later than 4 business days after the day of receipt of the disapute letter. I started sending dispute letters addressed to the Credit Bureaus on XX/XX/XXXX and the last letter I sent was dated XX/XX/XXXX, all letter having the complete attachments of my personal identifying documents and ID THEFT REPORT I received from the FTC. But despite all these, the Credit Bureaus have failed to comply with the request and have been negligent of the FCRA statute. The Credit Bureaus have kept reporting the disputed items without sending me copies of documents bearing my signature to prove their claims that the disputed items belong under my name. This action made by the Credit Bureaus is a clear violation of the FCRA section 605b, a federal law, which is punishable by law. I am submitting this CFPB complaint to request that the Credit Bureaus remove the following fraudulent items completely from my Credit report, if the Credit Bureaus chose not to comply with the request, it leaves me no choice but to initiate legal action : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2022-08-22
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)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.