davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-26
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. (NC)

In accordance with the Fair Credit Report Act XXXX account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer agency can not furnish a account without my written instructions Under FRCA 611 ( a ) I am disputing the completeness and accuracy of the information being reported to you by XXXX XXXXXXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Account number XXXX. 

I dispute this debt as I have never opened an account with this collection agency therefore ; the collection agency is inaccurately and erroneously reporting a XXXXday late notation. I request an investigation and removal of this collection account from my credit report. 

Additionally, under FRCA 611 ( a ) ( 2 ) you are to forward this dispute along with all relevant information regarding the dispute to the collection agency within five days of this request ; and, you are to provide me written notification of their investigation along with your reinvestigation within 30 days of the date of this letter. 

Please be advised that I will not accept the typical automated E-Oscar verification process as it is not a true reinvestigation of the disputed item. Thus, should you receive verification from the collection agency based on the E-Oscar verification method, I further request you provide a full description of the procedure used to determine the accuracy and completeness of the disputed item under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX XXXX XXXXXXXX account numbers XXXX, XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX account number XXXX and XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX Account Number XXXX XXXX XXXX Account 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 States that a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-06-26
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. (NC)

In accordance with the Fair Credit Report Act XXXX account number XXXX, has violated my rights.

15 U.S.C 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer agency can not furnish a account without my written instructions Under FRCA 611 ( a ) I am disputing the completeness and accuracy of the information being reported to you by XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, PA XXXX. Account number XXXX. 

I dispute this debt as I have never opened an account with this collection agency therefore ; the collection agency is inaccurately and erroneously reporting a 30-day late notation. I request an investigation and removal of this collection account from my credit report.

Additionally, under FRCA 611 ( a ) ( 2 ) you are to forward this dispute along with all relevant information regarding the dispute to the collection agency within five days of this request ; and, you are to provide me written notification of their investigation along with your reinvestigation within 30 days of the date of this letter.

Please be advised that I will not accept the typical automated E-Oscar verification process as it is not a true reinvestigation of the disputed item. Thus, should you receive verification from the collection agency based on the E-Oscar verification method, I further request you provide a full description of the procedure used to determine the accuracy and completeness of the disputed item under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act 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 2022-06-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I've disputed and I've written, letters to each Bureau and TransUnion, XXXX, and XXXX have all sent back generated letters, stating that it was investigated. Which is XXXX because there are numerous errors on my acct., inquiries that were not authorized by me. There's a bankruptcy there also, where did this come from?. These reports are adversely affecting my credit and my lifestyle. 

XXXX Confirmation : # XXXXXXXX XXXX XXXX # XXXX TransUnion : # XXXX I'm tired of going thru this, it's adversely affecting my life and my career ; I gave No one permission to use my credit, Nor did I give permission to release any of my personal information. According to 15 U.S.C 1681 section 602a. States I have a right to privacy and 604a. States a consumer reporting agency can not furnish a account without my written consent and I didn't consent to XXXX!.. My rights are being Violated here.
Consumer complaint received 2023-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

On XX/XX/XXXX of XXXX, I received a letter in the mail from Portfolio Recovery Associates LLC Account Number- XXXX they have attempted to state I owe them a debt incorrectly. As of XX/XX/XXXX XXXX I am contacting them to inform them of my consumer rights under federal code 15 USC 1692k and 1692CA. This company is more interested in verifying my information instead of understanding my federal rights. I have never given consent to this company to contact me over a debt and there is not a good time to discuss this debt. I want this company to cease and desist from contacting me and not report to any credit reporting agencies, and I want to know how they got additional information 15 USC 1692B. I am also requesting a visual contract with this company.
Consumer complaint received 2022-06-26
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: HYUNDAI CAPITAL AMERICA (NY)

Someone used my information to open a Kia Motors Account. I learned of this account when a credit monitoring service notified me of the negative reporting. I didn't open this account, nor did I authorize anyone to do so on my behalf. The account was opened fraudulently without my authorization. Please see the attached FTC report and my Dl and remove this from my credit.
Consumer complaint received 2022-06-26
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. (FL)

In accordance with the Fair credit reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C Section 602A, states I have the right to privacy.

15 U.S.C Section 604A Sec.2, states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (VA)

XX/XX/2022, someone tried to open a Target Credit Card in my name. They ran a hard inquiry credit report that correctly blocked them from opening a credit card, but the hard inquiry remains on my account. There is nothing Target can do about this, but I need this report open so that I can have the hard inquiry removed.
Consumer complaint received 2022-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

The bank flagged a deposit incorrectly as Fraud. They froze the online access to the account at that time. As we have paperless statements, we were unable to access the account and our paychecks are deposited there as well. We have been trying unsuccessfully for a month to deal with this and have received zero response from the fraud department at the bank.
Consumer complaint received 2022-06-26
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. (IN)

In XX/XX/XXXX, I found out that Equifax Credit Bureau had my deceased former husbands debt on my credit. A loan or a credit card I never heard of owing about {$4500.00}. About $ XXXX XXXX added on by now. We separated XX/XX/XXXX when a XXXX signed an XXXX. The debt from that time to his death XX/XX/XXXX is not mine. I called Equifax on XX/XX/XXXX and filed a complaint over the phone. I faxed over a copy of my Drivers License, SS card, and his Death Certificate and a hand written complaint to a number I was told. I called back XXXX XXXX to see if his debt was off my credit report. Equifax said I never called and complained and never received my fax. The fax number I was given was wrong, so I faxed the XXXX copies and complaint to a different number. A few wks later, I called and was told they do not receive faxes due to privacy reasons, only accepts mail. Then, I mailed out the copies. I called back a wk later, I was told no mail from me. Representative said call back 10 days later, I did. Equifax still had no record of any complaints from me all this time. No faxes or mail from me. 
XX/XX/XXXX, I sent a letter to the office of XXXX XXXX. 
Now Im here
Consumer complaint received 2022-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days i request these items be removed, if not I will file for litigation due to the stress this has caused me.
Consumer complaint received 2022-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This account is Charged off which is a violation of my rights I never gave any written consent for this to occur This is identify theft. The creditor has sold/furnished my debt and is not negatively reporting it on my credit profile this is damaging my name as I try to advance in life. 

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 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. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I want this negative impact removed from my credit immediately or to be compensated for the violation of my rights 15 U.S.C 1681n States : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I would like to be compensated for all of these errors and violations.
Consumer complaint received 2022-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

The following accounts and credit inquiries listed on my Trans Union, XXXX and XXXX credit report is fraudulent and not my account : XXXX XXXX XXXX XXXX, XXXX, {$370.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a total of XXXX credit cards showing on all three major credit reporting agencies. While I was XXXX XXXX I placed a fraud protection on my account to make sure nothing like this would happen for the several years I would be unable to monitor it. At the beginning of 2021 I had my credit ran for a homeloan with my husband to then learn from the bank of these XXXX credit cards. The same thing happened to my husband. We have learned that my sister while in my home stole our credit and I informed all the credit cards companies and gave them police reports, as well as a letter detailing that it was impossible for us to open them while XXXX XXXX because they were supposed to call me prior to opening any credit card because my credit was on fraud protection alerts. It would have been impossible for them to speak to me because of the fact I was XXXX XXXX in the location I was in. IMPOSSIBLE. So I could have not open any credit cards. They have been unwilling to cancel the cards and delete them from my credit report. But they had no issues with charging them off because I refused to pay for cards that were fraud. My sister is now incarcerated because she was charge with stealing XXXX peoples credit cards and personal information to open cards. I am please asking for these to be asked to be deleted by your agency. I need the help from you because the credit card companies do not care that my service would have made it impossible for me to open them. They also failed to protect me and check with me per my fraud protection. Instead they ran my credit and allowed someone to open XXXX ( XXXX ) cards in my name. The cards are listed below. 

Capital One : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have credit alerts for my credit report set up and received one that says a hard Inquiry was done to my credit by Bank Of America. 

I do not have a bank of America account nor do I have anything from them. Not credit card, Bank account nothing. And I haven't given them any authorization to do a hard inquiry.
Consumer complaint received 2022-06-26
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. (FL)

This account is Charged off which is a violation of my rights I never gave any written consent for this to occur the creditor has sold my debt and is not negatively reporting it on my credit profile this is damaging my name as I try to advance in life. 

in accordance with the Fair Credit Reporting act XXXX XXXX account XXXX 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. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I want this negative impact removed from my credit immediately or to be compensated for the violation of my rights 15 U.S.C 1681n States : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I would like to be compensated for all of these errors and violations.
Consumer complaint received 2022-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (NY)

My first consumer complaint about Discover Card was XX/XX/2022, in regard to not being made aware of the ending of my 0 % interest payments. XX/XX/2022, XXXX XXXX, from Discover 's Executive Office of Customer Advocacy sent me the following email : Consumer Financial Protection Bureau inquiry Inbox Executive Office of Discover Financial Services XXXX XX/XX/2022, XXXXXXXX XXXX to me Dear XXXX XXXX Thank you for your recent correspondence to the Consumer Financial Protection Bureau, dated XX/XX/2022. To ensure your concern is properly addressed, your inquiry has been forwarded to my attention at the XXXX XXXX XXXX XXXX XXXX within Discover. 



I am currently in the process of investigating your concern. A detailed response will be sent to you upon completion of my investigation. 



If you have any questions or would like to provide additional information, please feel free to contact me at ( XXXX ) XXXX, weekdays from XXXXXXXX XXXX to XXXXXXXX XXXX ( XXXX ). 



Sincerely, XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX Discover I have called the above number and wasn't able to get ahold of anyone, nor have I heard from XXXX XXXX XX/XX/2022, there was a declined XXXX purchase that I did not make and reported my card as stolen. I spoke to a customer service representative who put in an order of a new card. I have been experiencing financial hardship for a year, yet I struggled to keep up with my minimum monthly payments. Now my monthly payments have gone up to {$100.00} and I just don't have the money.
Consumer complaint received 2022-06-26
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. (GA)

In accordance with the Fair Credit Reporting act Account XXXX XXXX  Account number 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 2022-06-26
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. (ME)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

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

As stated in 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. I, at no time gave anyone written permission to place anything on my credit report. Also if you look at the company website it states the following ... XXXX XXXX XXXX. On the FAQ section it states also... 

Will XXXX, XXXX remove the account from my credit reports after it has been resolved? 

Your account will be considered paid-in-full or paid-in-full for less than the full balance after your final payment is successfully posted. Within approximately 30 days of your final payment successfully posting, we will request that the credit reporting agencies delete our tradeline related to your account from your credit bureau report.
Consumer complaint received 2022-06-26
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 Account XXXX XXXX Account number 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