davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
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. (HI)

Request for Assistance in Resolving XXXX XXXX ( Debt Bondage ) Case I hope this letter finds you well. I am writing on behalf of a federal award recipient authorized by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in Persons ( please refer to the attached Confirmation of Authorization ). The XXXX XXXX XXXX has verified and determined that XXXX XXXX is a vXXXX XXXX XXXX XXXX XXXX XXXX XXXX in persons under 22 U.S.C. 7102 ( 11 ) or XXXXXXXX XXXX under 22 U.S.C. 7102 ( 12 ), making them eligible for certain adverse credit information to be blocked according to 12 C.F.R. 1022.142 ( see attached rule ). The XXXX XXXX XXXX is dedicated to advocating for the rights and welfare of individuals affected by XXXX XXXX XXXX XXXX XXXX. We have identified that XXXX XXXX case, which we believe deserves your attention and expertise. In our mission to support victims and collaborate with stakeholders to eradicate XXXX XXXX, we've identified an issue with that XXXX XXXX credit report, which contains an outstanding debt likely connected to a case of XXXX  XXXX This debt raises ethical and legal concerns due to possible fraudulent or coercive practices leading to an unjust financial obligation. We respectfully request your assistance in blocking and removing any negative accounts linked to XXXX XXXX credit profile. Thank you for your attention to this matter. We look forward to collaborating on this important issue. Please feel free to contact me at any time. Best Regards, XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-04
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. (AL)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2022-06-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Accounts, LLC (CA)

The complaint is against CAPITAL ACCOUNTS. 
I received a letter from them about an unpaid bill, and right away I responded with a letter ( will be attached ), and disputed this collection for a couple reasons. I will be disputing this for several reasons, this bill was a malpractice job and I tried taking the doctor to court for malpractice. I doctor did not follow up to collect the money until I received a letter in XXXX, from a collection agency. Not to mention that this debt collection agency is doing unlawful collection, from a bill that was billed in XX/XX/XXXX. This bill by California law is uncollectable, it has been 8 years already.
Consumer complaint received 2024-09-04
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. (NY)

Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2024-09-04
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. (GA)

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. 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 2023-01-02
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. (OR)

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. XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc. (UT)

On XX/XX/2023 Upstart XXXX  reported a 30 day delinquency to all three credit bureaus for an XX/XX/XXXX payment. Payments on this account have always been paid before the 30 day late mark. The amount reported was an odd amount of apox {$61.00}. I contacted Upstart and received no viable explanation. I filed disputes with all three bureaus. The bureaus did not remove the false reports based on false information provided. I filed a complaint with the XXXX  and received a vague and inconclusive explanation on the reporting. Online account information provides full verification if payments, fees, and history. I also have bank account statements for proof and verification. This is a clear cut example of illegal credit reporting.
Consumer complaint received 2024-01-03
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)

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 2023-01-06
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. (CA)

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (OH)

1.I have never had an account with this company CREDENCE RM XXXX, REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are CREDENCE RESOURCE MANAGENT the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

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 2023-04-06
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: EQUIFAX, INC. (FL)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2024-01-03
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. (GA)

XXXX XXXX XXXX with account # XXXX opened on XX/XX/2022 and a balance of {$44000.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Pleaseprovide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Initial contact with Bank of America via email on XX/XX/XXXX that an application was in progress for an 'advantage safebalance account. ' Called and spoke to several representative over span of a few days, application was cancelled. Bank of America assured me that a fraud flag of some sort was placed on my name for future fraudulent attempts. On XX/XX/XXXX I received the same emails, this time with a subsequent email informing that the account was opened successfully. Bank of America has been unable to connect me successfully with a representative to close the account. The hold times are over an hour and the last representative that I spoke with had the call disconnect. 

Additionally, all three major credit bureaus are frozen, as well as XXXXXXXX XXXX. Bank of America has been unwilling to provide me with any information on how they verified the identity of the criminal trying to open an account in my name with these security freezes in place.
Consumer complaint received 2022-09-23
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. (DE)

To Whom it may concern ; Good day, I have an issue with your Organization constantly placing inaccurate information on my Consumer Report. I Found out about the latest inaccuracy TODAY XX/XX/2022. Due to this inaccuracy, my right to extend credit has been damaged to a great EXTENT! As a result, I was discriminated against and refused the A HOME LOAN! 
According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

This organization has officially been put on NOTICE! Im letting you know that I never gave consent to this report being furnished by you on my behalf and Im also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected! 

There is no such law written anywhere that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 
Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Your organization neither exercised any of its responsibilities with fairness and impartiality nor PROTECTED MY RIGHT TO PRIVACY! 

I DEMAND you give me a piece of evidence that the information which is being reported has been properly investigated. Also provide me with the details of the system adopted by your organization to determine whether the transaction took place or not. 


letter attached has been Sent in the mail as well
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Subject : Formal Complaint Regarding Violations of Fair Credit Reporting Act ( XXXX5 U.S.C. Sections 1681 ) Dear Sir/Madam, I am writing to file a formal complaint against Accounts/ Creditors listed below concerning their handling and reporting of my credit accounts in violation of the Fair Credit Reporting Act ( FCRA ) Sections 602 A, 604 A, and 605 A. 
Charged off XXXX XXXX  Credit Card : # XXXX Charged off XXXX XXXX Department Store Account : # XXXX XXXX XXXX Bank Credit Card : # XXXX XXXX Auto Loan : # XXXX Despite repeated attempts to resolve issues with the above-mentioned accounts, I have encountered significant challenges in obtaining accurate information and rectifying discrepancies. Specifically, every request I have made to resolve these issues has yielded no results, violating my rights as a consumer under the FCRA. 
I have diligently requested documentation and information pertinent to these accounts, as mandated by the FCRA. However, above-mentioned creditors have failed to provide the necessary documentation or conduct thorough investigations as required by law. 
These actions or lack thereof have had a detrimental impact on my credit report, financial well-being, and rights as a consumer. I have made several attempts to resolve these matters directly with the institutions involved, but to no avail.I respectfully request a thorough investigation into these violations and the appropriate actions to rectify the inaccuracies and discrepancies associated with these accounts, in compliance with the FCRA. 
Your prompt attention to this matter and intervention in ensuring my rights as a consumer are upheld would be greatly appreciated.
Consumer complaint received 2024-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (WA)

I opened a new checking account with Citi Bank to take advantage of a promotion. After successfully transferring {$30000.00} from my XXXX savings account on XX/XX/year>, I set a reminder for 60 days to check back and confirm the promotion had gone through. When I went to check in, I was unable to access my account online, my username and password had been deactivated. 

Confused, I called Citi customer service. I was on the phone for nearly 2 hours trying to access my account, and finally found out it had been closed due to suspected fraud. I inquired why this had happened, and was told that I would receive a letter in the mail in 60-90 days! As I inquired more, I was told that their fraud department only communicated via physical mail. In disbelief, I asked for my call to be escalated. 

When speaking to a supervisor, they were also not able to connect me with anyone that could provide answers about why it was closed, but promised that a check would be mailed to return my $ XXXX 30-60 days. I voiced that this was an unacceptable timeframe and asked for the check to be expedited. The agent claimed she put in a request, provided the direct line to the fraud department, and asked that I reach on in a few daysrevealing the previous agent lied to me about the fraud department only communicating via mail. 

Since then, I have called the fraud department 4-5 times, only to be lied to and treated poorlyan agent even hung up on me. They promise to call me back with the status of my check and a tracking number, and of course they do not. 

I have received no communication from Citi throughout this whole, awful process. When in contact with them, they treat me poorly while holding onto XXXX of my money for no apparent reason. The only outcome I want is to get my money back asap.