davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2022-09-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (OH)

A new collection appeared on my credit report for {$110.00} listed as Law Offices MBA. This collection is from a hospital bill, that was already sent to collections and already listed in my credit report under a different name and for a different amount. The other amount it's listed as is {$770.00} instead of {$110.00}. Theyre sending the same medical bill to collections as multiple bills under multiple names and multiple amounts. The collection for {$770.00} they sent is on my XXXX report and doesn't show a account name, only an amount of {$770.00}. Both of these collections are from the same hospital visit but they're sending multiple collections and different amounts
Consumer complaint received 2024-08-26
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 was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
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. (TN)

In accordance with the Fair Credit Reporting act fair credit reporting act 12USC 1681 Account # XXXX XXXX, Acct : XXXX XXXX, Acct : 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2023-02-24
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Advance America, Cash Advance Centers, Inc. (KS)

I received an alert from XXXX XXXX that a Collections account was reported on my credit file XX/XX/XXXX and looking up the info from XXXX XXXX was XXXX XXXX XXXX XXXX XXXX. I never received any notifications from any company or mailings of validation of debt to dispute. I have Informed Delivery from USPS that informs if mailings is being delivered and the XXXX XXXX XXXX XXXX violated the FDCPA ( 15 U.S. Code 1692k ). 

When a Debt Collector Can Report Information About a Debt to Credit Reporting Agencies Effective XX/XX/XXXX, an amendment to Regulation F, which implements the FDCPA, says that a debt collector can't report a debt to the three major credit reporting agencies, XXXX, XXXX, and XXXX, before first contacting the consumer. Specifically, before reporting a debt to a credit reporting agency, the debt collector must : speak to the consumer in person or by phone or mail a letter or send an electronic message, like an email, about the debt to the consumer and then wait a " reasonable period of time '' ( at least 14 consecutive days ) to see if a notice of undeliverable comes back. 

No attempts was made prior to reporting on the Credit file. XXXX XXXX XXXX XXXX XXXX said that I owe Advance America XX/XX/XXXX. I contacted Advance America no as I have not received such info from the Business. I have done Business with Advance America in the past and the disputed with Advance America and no Validation of Debt was sent to me. Although they mention I had loans after XX/XX/XXXX. As 1 loan can be taken out at a time after it is paid off with the Company. 

I disputed with the Credit Bureaus and the 3 major Companies, XXXX, XXXX, and XXXX refuse to delete as XXXX XXXX XXXX said the info was correct. 

I emailed XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX that I disputed the account. 
On XX/XX/XXXX a response was 2 forms that was sent and that the info can not be deleted from file. I informed that a data breach is in the system because this is not accurate. XXXX XXXX XXXX XXXX XXXX fails to comply with the rules of the FDCPA and Consumer Financial Protection Act. My info is used into the XXXX major credit bureaus and not handled properly.
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  Opened XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX  Opened XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX Opened XXXX XXXX, XXXX XXXX XXXX XXXX  Opened XX/XX/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 2022-08-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

On Saturday, XX/XX/2022 at XXXX a.m. I received a call from XXXX XXXX # XXXX an agent from Portfolio Recovery XXXX. During the call XXXX XXXX stated that this is another of several attempts to collect a debt. Then XXXX XXXX proceeded to violate 15 U.S.C. 1692 ( b ) ( 2 ), 15 U.S.C. 1692 ( d ) ( 1 ), ( 2 ), ( 5 ), 15 U.S.C. 1692 ( e ) ( 10 ) and 18 U.S.C. 894. I called back to express to her manager XXXX XXXX XXXX # XXXX, that his empolyee violated my rights as a consumer and he states that the alleged debt had not been validated and disconnected the call.
Consumer complaint received 2022-08-13
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. (SC)

Ive disputed with all three credit bureaus on my XXXX XXXX credit card ( XXXX four digits of account number ) countless times as this account had fraudulent charges and the creditor agreed to delete the late payment remark as I had no idea any balance was due on the account as its never been used. Creditor completed their investigation and corrected my account on their end, removing the late payment fees and reversing the charges made by the fraud. The creditor stated they would comply with the Bureaus once I submit my disputes however, after several ( XXXX or more with each bureau ) its apparent that theyre not accurately nor fairly investigating my legal rights. Creditor is happy to correct payment rating and remove the late payment remark once theyre contacted by Experian XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

You have not adhered to the following laws, XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. according to the federal trade commission regulation. Your investigation results are unlawful ; you have also unlawfully placed derogatory items on my credit report which in turn is causing me undue financial duress ; as you have not produced the original contract ( for XXXXnspection ), front and back pages, with my original signature ( no copies ) in respect to the alleged contract and state for the record who the alleged original creditor was or Current holder of Original Contract is based on the preceding law
Consumer complaint received 2022-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/22 I used the Chase ATM on XXXX XXXX at address XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I attempted to use my ATM card to withdraw {$500.00} from my account but the ATM showed a message that it could only distribute {$200.00}. The ATM delivered multiple bills of {$5.00} that were stuck in the ATM cash slot. When I tried to retrieve the money, the ATM pulled the bills back inside. I was able to retrieve some of the cash to the amount of {$100.00}. However, the remaining {$100.00} were not distributed to me by the ATM. I filed a complaint with Chase regarding the missing amount that remained inside the ATM. Unfortunately, Chase determined that this claim was not founded by their own ATM audit and reversed the temporary credit they previously issued me. I faxed a letter to the bank to let them know I disagreed with this decision.
Consumer complaint received 2022-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Remex, Inc. (NJ)

I found out through credit report agencies that there was a debt collection agency by the name of REMEX INC that I owe {$250.00}. I do not owe this money and do not know why I I was not informed by REMEX INC about this. I have debts that I owe which are in good standing. The only derogatory that I have is bankruptcy that was filed through XXXX, XXXX Court several years ago and was represented by my lawyer along with myself in attendance. 
I do not know if this is a scam, but I need to have this investigated as my credit score went completely down and I need to have this fixed ASAP. I have put a dispute with XXXX about this. 

Thank you for your diligence to this matter. 

XXXX XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (RI)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
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 status incorrect
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act fair credit reporting act 12USC 1681, Account # XXXX 30 days late I have submitted letter from Mortgage Company never late, still will not report accurate. 

I have called, submitted online and certified mailed letter from XXXX mortgage showing proof that my account has never been late and should be reporting accordingly. 

15 U.S.C 1681 section 602 A. 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 an account without my written instructions. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people
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. (FL)

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 2022-08-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (TX)

In accordance with the fair credit reporting Act LAW OFFICE XXXX XXXX XXXX XXXX  # XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my constitutional rights 15. U.S.C 1681 Section 602 A Section 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 my 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: Incorrect information on your report — Public record information inaccurate
Company: Bread Financial Holdings, Inc. (IL)

my complaint is in regard to my account with the XXXX XXXX through Comenity Bank. They have been falsely reporting that I had a delinquent account with them since XXXX of 2022. I had made a payment in XXXX for the amount of my entire amount of the account of {$610.00}. i now had a XXXX balance. The company had charged me interest on my old balance, even though it was paid, and never notified me. Until XXXX of 2022 I had no knowledge of there being a balance on the account until I had had received a notification from credit Karma that my score had dropped XXXX points due to a delinquent account of XXXX days, and upon logging in and checking I found that it was comenity bank. when i called their customer service and spoke to them about my situation, it was determined that due to a billing and/or clerical error, i had not been responsible for the account delinquency, and that by XX/XX/XXXX of 2022 my account would be rectified, and returned to normal status as well as receiving a credit for the issue. I received the credit on XX/XX/XXXX as promised but saw no change to the reporting to the credit bureau. Knowing credit reporting changes take some time i did not fuss, and about a month later in XXXX of 2022 I decided to take advantage of the + {$200.00} credit I received and made a purchase of $ XXXX, and with the credits I received on the account, and with what is on my last statement, I should only owe {$220.00}, and my utilization of the card would be at 47 %. Literally the day after my purchase, and use of account credits, my credit limit was dropped on the account by {$250.00}! changing my utilization rate from 47 % to a credit damaging 97 %! this if an unfair business practice and fraudulent. upon seeing this I contacted them yet again and they told me all I can do is dispute it to the credit agency.
Consumer complaint received 2023-10-04
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. (TX)

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.

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.
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date : XX/XX/2022 Dear Experian, XXXX and XXXX l, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. Account Name : XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation 2. Account Name : XXXX Account Number : XXXX XXXX XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy. 
15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation 3. Account Name : XXXX XXXX  / XXXX Account Number : XXXX XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-12-12
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. (TX)

his inquiry was made not with my knowledge. I have filed a FTC Identity Theft report so both inquiries need to be removed from the XXXX credit agencies under the 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( A ). the information was blocked in error or a block was requested If the inquiries arent removed. I will take legal action as I have my identity theft report from the FTC as well. Thanks I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments.Pursuant to 15 USC 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 Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 


Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/2022 were all on time. 

Clearly you have some faulty systems, because there should be NO late payments showing here. As in, ZERO late payments. So why are you reporting it incorrectly?