davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIRST NATIONAL BANK OF OMAHA (SC)

I am submitting this letter to formally dispute inaccuracies reported on my credit file by theses institutions. Below is a summary of the accounts and discrepancies identified, including the date and credit bureau to which the information was reported I was a victim of identity theft and have also made a report on XXXX also. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (VA)

Earlier, I submitted a complaint ( XXXX XXXXXXXX ) and with your help Citi sent me a check for {$240000.00}. This is the amount that was in my account as of XX/XX/year>. They sent me a check on XX/XX/XXXX that did not include the interest between XX/XX/XXXX and XX/XX/XXXX. This account paid interest at a rate of 5 %. Can you help me get this interest payment from Citi? Thanks.
Consumer complaint received 2022-07-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NC)

This company reported an account from XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/2021, in the amount of {$780.00}. This collection agency is in violation of FDCPA 809 ( a ) for not providing a collection notice within 5 days after initial communication. This was not done 5 days after reporting it to the Credit Reporting agencies.
Consumer complaint received 2022-07-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc. (MS)

In XX/XX/XXXX I asked Tower Loan in XXXX, MS to no longer call a reference that was listed. They have now called this reference multiple times ( XX/XX/XXXX ). They also sent a text message to a reference that never gave permission for text messages. This message includes the representatives ne amd company phone number. The text happened on XX/XX/XXXX.
Consumer complaint received 2022-11-14
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act : Unknown Account Name AccXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-09-13
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: Experian Information Solutions Inc. (AL)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If AODFCU reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Consumer complaint received 2024-12-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Waypoint Resource Group, LLC (TX)

This agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them and they are violating my rights, and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete this accounts ASAP.
Consumer complaint received 2022-09-20
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Accounts below have violated my rights. 

1 ) XXXX Account Number XXXX XXXX Reported Balance {$0.00} XXXX ) XXXX  Account Number XXXX XXXX Reported Balance {$350.00} XXXX ) DEPT OF ED / XXXX Account Number XXXX XXXX Reported Balance {$39000.00} XXXX ) DEPT OF ED / XXXX Account Number XXXX XXXX Reported Balance {$4700.00} XXXX ) DEPT OF ED / XXXX Account Number XXXX XXXX Reported Balance {$950.00} XXXX ) DEPT OF ED / XXXX Account Number XXXX XXXX Reported Balance {$4800.00} XXXX ) DEPT OF ED / XXXX Account Number XXXX XXXX Reported Balance {$950.00} XXXX ) DEPT OF ED / XXXX Account Number XXXX XXXX Reported Balance {$3800.00} XXXX ) DEPT OF ED / XXXX Account Number XXXX XXXX Reported Balance {$8300.00} XXXX XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$3100.00} XXXX XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$7700.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX Reported Balance {$4000.00} XXXX ) XXXX XXXX Account Number XXXX XXXX Reported Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$0.00} XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX Reported Balance {$0.00} XXXX ) XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$610.00} XXXX ) XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$1000.00} XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX Reported Balance {$680.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number xxxxxx XXXX Original Amount Owed {$230.00} XXXX ) XXXX XXXX XXXX XXXX XXXX Account Number xxxxxx XXXX Original Amount Owed {$220.00} XXXX ) XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX Original Amount Owed {$470.00} XXXX ) XXXX XXXX XXXX Account Number XXXX XXXX Original Amount Owed {$160.00} XXXX ) XXXX XXXX XXXX Account Number XXXX XXXX Original Amount Owed {$170.00} XXXX ) XXXX XXXXXXXX XXXX  Account Number xxxxx XXXX Original Amount Owed {$52.00} 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
Consumer complaint received 2022-08-13
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)

I have recently reviewed my credit report and noticed some unauthorized accounts and inquires on my report and in accordance with the Fair Credit Reporting act Convergent account # XXXX along with 7 ( seven ) other inquires, has VIOLATED my rights.15 USC 1681 section 602 A states I have the right to privacy. you also have violated 15 USC 1681 section 604 A section 2, which states a consumer reporting agency can not furnish an account without my written or oral consent/instruction and I have not given neither. This has caused me emotional and mental stress and id like for everything listed to be removed/deleted immediately.
Consumer complaint received 2022-09-20
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. (NC)

They reuse to remove fraudulent information from my credit report I have already filed a ftc and reported it to the lenders as well
Consumer complaint received 2022-08-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Healthcare Management, LLC (WY)

I am writing on behalf of my wife XXXX XXXX. We saw back in XXXX of XXXX  that she had a collections on her credit report for a medical bill she received as a child. We immediately contacted A-1 to pay the amount of {$200.00} in full the very next day. We requested a goodwill deletion because of her otherwise perfect credit record- this was a debt levied onto a minor who at the time did not even realize it existed. Because of this circumstance A-1 agreed to a goodwill deletion. 

This past week the collection was reopened on her credit reneging on their promise and the account now appears to be open as if we never paid. Attached are bank statements and credit report info that documents this illegal situation and illegal attempt to collect an already paid debt. 

I am also sending this to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX as the originator of the medical debt for their failure to utilize a reputable debt collection agency and being complicit in these illegal actions.
Consumer complaint received 2022-07-29
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. (GA)

I was the victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX GA XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX XXXX XXXX : {$3100.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXX/XX/2022.
Consumer complaint received 2022-12-05
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. (NY)

I XXXX XXXX am making this complaint from my own guidance and that of the ftc. there is no third party company involved with this complaint this is me making this complaint. i noticed that there is an account on my credit that i did not authorize or get on my own accord. i reported it to thhe credit reporting agencies but they did nothing about it.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, XXXX XXXX. XXXX ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to XXXX XXXX XXXX XXXX ( XXXX ). According to, XXXX XXXX XXXX XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Consumer complaint received 2022-09-20
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. (GA)

This is ridiculous! The Credit Reporting Agencies have failed to properly conduct an investigation in order to have the disputed fraudulent accounts and information that are reporting on my Credit File. This CFPB complaint is already my 10th CFPB complaint requesting the same request over and over again, and yet they are still indicating the dispute accounts and information. Under the fair Credit Reporting Act section 605b, the Credit reporting agencies are required to remove the disputed accounts and information that resulted due to identity theft. However, the Credit Bureaus have claimed that the disputed items were verified without sending me copies of proof of verification or any documents bearing my signature. This action of the Credit Bureaus is a clear violation of a consumer 's rights which protected by the Fair Credit Reporting Act. I previously contacted the Data Furnishers and they verified that the disputed items are reporting erroneous information in some way or another. I am now submitting this CFPB Complaint to request that the Credit reporting agencies completely remove the disputed accoutns and information from my Credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX  XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Opened XXXX. XXXX, XXXX Balance {$130.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$190.00} XXXX XXXX XXXX XXX Opened XXXX. XXXX, XXXX Balance {$4000.00} XXXX XXXX XXXX XXX Opened XXXX. XXXX, XXXX Balance {$3700.00} XXXX XXXX XXXX XXX Opened XXXX XXXX, XXXX Balance {$320.00} XXXX Inquiry Date XXXX. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXXXXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX XXXX - XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

XXXX XXXXXXXX XXXX and all three credit bureaus : XXXX, XXXX and Transunion are reporting multiple late payments on my credit reports during the months XXXX and XXXX of 2017. All of my XXXX XXXX have been In Forebearance since XXXX of 2017 and no payments have been required ; therefore, it is impossible for me to have been late during those months. Despite my contacting XXXX XXXXXXXX XXXX and all three credit bureaus on multiple occasions since XXXX of this year this erroneous reporting remains on my credit reports and is negatively affecting my payment history and credit worthiness.
Consumer complaint received 2022-09-20
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2022-09-20
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. (AL)

I sent a letter to XXXX XXXX on XX/XX/2020 XXXX Mail # XXXX XXXX XXXX XXXX XXXX requesting them to supply a contract to validate the account or remove the account from my credit report as of currently i still haven't recieved a responses. 

In accodance 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 15 U.S.C 1681 Section 604 ( A ) Section 2 States : A Consumer reporting agency can not furnish a account without my written consent 15 U.S.C 1692 Section 805 ( A ) States : a debt collector may not communicate eith consumer in connection with the collection of any debt at any unusual time or place or a placr known or which shoulf be known tobe inconvient to the consumer