davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Tally Technologies (NC)

Consumer Financial Protection Bureau ( CFPB ) [ XX/XX/year> ] Subject : XXXX XXXX XXXX XXXX XXXX for Violations of The Fair Debt Collection Practices Act and Consumer Law Rights Violations Dear CFPB Complaint Review Team, I am submitting a formal complaint against a collection agency, XXXX XXXX XXXX, for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX has engaged in unfair and illegal practices that infringe upon my rights as outlined under federal regulations. I am requesting the CFPBs assistance to ensure XXXX XXXX XXXX ceases these violations and provides all required disclosures. 

Specific Violations : 1. Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Lack of Dispute Opportunity : XXXX XXXX XXXX has failed to provide me with any opportunity to dispute the alleged debt. Under this regulation, a debt collector must clearly inform a consumer of their right to dispute the debt. I was not afforded this opportunity and was denied my legal right to dispute.

2. Violation of 12 CFR 1006.34 ( b ) ( XXXX ) Failure to Provide Validation Information : XXXX XXXX XXXX has failed to provide me with the legally required validation information about this debt. Instead, they have reported the debt to consumer reporting agencies without offering the necessary disclosures or verifying the accuracy of the information. This lack of validation information denies me the transparency to which I am entitled.

3. Violation of 12 CFR 1006.34 ( d ) Failure to Provide Required Disclosures : The agency has not provided any of the mandated disclosures under 1006.34 ( d ), including essential information related to the debt and my rights as a consumer. The lack of required disclosures prevents me from understanding or verifying the alleged debt.

4. Violation of 15 USC 1681s-2 ( 7 ) ( A ) Unauthorized Reporting and Permissible Purpose Violation : XXXX XXXX XXXX is in clear violation of 15 USC 1681s-2 ( 7 ) ( A ) by reporting an alleged debt to consumer reporting agencies without providing the necessary disclosures or obtaining authorization. Additionally, the agency accessed my consumer report without a permissible purpose, a violation of FCRA. The use of false, misleading representations and deceptive practices further illustrates their unlawful tactics. 

Request for Resolution : I am requesting that XXXX  XXXX XXXX be required to : Provide full validation information and all disclosures associated with the alleged debt as required by law. 
Cease reporting the debt to consumer reporting agencies until proper validation has been completed. 
Refrain from accessing my consumer report or reporting information without a permissible purpose or without fulfilling all legal requirements. 
Thank you for your assistance in holding XXXX XXXX XXXX accountable for their practices. I look forward to your investigation into these issues and an outcome that enforces my rights under federal law.
Consumer complaint received 2024-09-19
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. (MI)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

this letters complaint to fixed and delete inaccurate and misleading accountXXXX 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 2024-09-19
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. (SC)

" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am composing this letter to formally file a complaint about the inaccurate personal information that appears on my credit report. I discovered confidential information that does not belong to me while reviewing my credit report, including [ specific details such as an incorrect name, address, and Social Security number ]. I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies, as this erroneous information may have a detrimental impact on my creditworthiness and financial standing. Your immediate attention to this matter is greatly valued, and I am in anticipation of a prompt resolution to guarantee the accuracy and integrity of my credit report. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. ''
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This was my follow up with regards to my previous complaint dated XX/XX/XXXX. That time I noticed these items that DO NOT belonged to me, and neither did I initiate an authorization towards who ever have these data that I am listing in complaint and reported through Federal Trade Commission ( FTC ) with reference # XXXX. And I am attaching my FTC Fraud Report in this complaint again for your information source. Please remove the listed items from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX Balance XXXX {$1300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$180.00} XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} Original Creditor XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$180.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XX/XX/XXXX
Consumer complaint received 2022-07-23
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. (TX)

I recently submitted a complaint about this creditor furnishing my credit report without my permission and asked for them to delete the account, but they did not delete it, they actually just closed the account. I never gave permission for it to be furnished on my credit report so I want it deleted or removed from my credit report immediately. I am not satisfied with them closing the account. Because I did not tell them to furnish my report. So not only did they violate my rights, but they also violated me. Im asking to have this account removed from my credit report not to have it still posted to my report showing as a closed account. 

In accordance with the Fair Credit Reporting act 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.
Consumer complaint received 2024-09-19
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. (GA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2022-09-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

Date - XX/XX/2020 Amount - {$650.00} Midland Credit Management Has Not Provided Me With Documentation To Proof That The Collection On My Credit Report Was Verifiable. No Signature On File No Nothing.
Consumer complaint received 2024-08-24
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. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-08-11
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. (TX)

After my attempts to reach out to Equifax in regards to handle this matter, it is to no avail, that I am forced to file this complaint and take all necessary actions by exercising my rights as a consumer. Pursuant to 15 USC 1692a ( 3 ), I, am, the consumer and natural person. Without my permission or authorization, Equifax assumed their role, as stated in the congressional findings in 15 USC 1681 ( a ) ( 3 ). Pursuant to 15 USC 1681 ( a ) ( 4 ), there is a need to insure that they exercise their grave responsibilities with fairness, impartiality, and respect for all consumers ' right to privacy. Equifax has been unfair, using unlawful adverse actions, violating and not respecting my consumer 's right to privacy, as well as, not adequately protecting my personal information, as a consumer. Equifax has continued unauthorized use of my credit report, allowing my personal information to be unlawfully accessed by and shared to unauthorized 3rd parties and unauthorized users. Pursuant to 15 USC 1681 ( b ) ( 2 ) the furnishing of a consumer report must be in accordance with the written instructions of the consumer to whom it relates. Therefore, I demand that Equifax immediately cease and desist all furnishings or reporting, and unauthorized use of my personal information. I also demand that they send me all files containing my personal information, as requested. Equifax has violated federal law and my consumer rights so, as a result of the damages and sufferings, I demand monetary relief ; violations are liable for up to {$1000.00} in damages, per violation, under 15 USC 1681n and 15 USC 1681o.
Consumer complaint received 2024-10-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (MN)

From XXXX until XXXXXXXX XXXX XXXX someone had access to our accounts. We have already had an open claim and had it reviewed multiple times. We just recently received a letter from XXXX that my XXXX XXXX XXXX XXXX and phone number was compromised. This is new evidence and shows that this wasn't our doing. Please review the new information and please take care of this.
Consumer complaint received 2024-08-24
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. (FL)

I just recently looked at my credit report and noticed it had fraudulent accounts, please investigate them and remove them. 

Account XXXX : XXXX  XXXX. 
Account XXXX : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report.

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report.

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Consumer complaint received 2024-10-31
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MI)

XXXX XXXX Commenity Bank- If you wish to receive a paper statement they are currently charging customers XXXX per month. This seems a little ridiculous. They want you to use their credit card - but if you want a paper statement XXXX. It seems like they are shifting their costs of doing business to the consumer. Where does it stop. I get so many emails - things get lost, things get dumped into spam. I like an old fashioned paper statement as a reminder.
Consumer complaint received 2024-10-17
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: Experian Information Solutions Inc. (AZ)

As of XX/XX/XXXX, there were no late payments being reported. I have stated this to you all several times now and you continue to report this harmful information on my Experian report. Earlier this year, XXXX, I made several requests for XXXX XXXX and Experian to make sure that my balances were being reported accurately and in a timely manner because I am a business owner and seeking to establish business credit so that I do not have to continue a personal guarantee to avoid accumulating inquiries on my personal credit. After my request, Experian started reporting inaccurate information as of XX/XX/XXXX, stating that I had 30-day late payment ( s ). I have printed out and attached Experian Reports from dates XX/XX/XXXX, XXXX XX/XX/XXXX, where you will see when this occurred. I have also attached an Experian Report that shows the last date this 30-day payment was showing on my report was XX/XX/XXXX. I have spoken to XXXX XXXX and Experian several times concerning this matter and it still is not corrected. This inaccuracy has only happened on Experian. This is not being indicated nor has it been indicated in either of my other reports ( XXXX ) . This is causing serious harm to me and my ability to obtain credit/loans for my business. On the attachment below titled XXXX, you will see at the top of page 2 where it says Payment History 99 % ... due to the misinformation that you all keep reporting. I HAVE NO DERAGATORY REMARKS ON MY CREDIT REPORTS besides this 30-day late payment that you are reporting inaccurately. I also took the time to attach MY FICO report that is clearly stating for the Experian portion that I DO NOT HAVE ANY LATE PAYMENTS WITH A 100 % PAYMENT RATING. Respectfully, please remove this inaccuracy from my Experian Credit report immediately. This has been reporting inaccurately for 4 consecutive months now and is causing severe issues for my financial well-being and my business. 
XXXX XXXX  Account # : XXXX Attachments : Experian Part XXXX ( XX/XX/XXXX, XXXX XXXX ) Experian Part XXXX ( XX/XX/XXXX, XXXX XX/XX/XXXX ) My Fico XXXX XXXX
Consumer complaint received 2024-08-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

I Have not received any written proof of this debt. Every month or so it is being updated on my credit report as collection owed. I have know knowledge of this company, no contracts or agreement for this company, nor do I owe this company any debt.
Consumer complaint received 2022-09-07
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: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX RE : Request for Investigation of Unauthorized Credit Inquiry Dear to whom this may concern, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized credit inquiry had been made. I am not aware of the inquiry sources name nor who conducted the inquiry, and I am asking for them to remove their credit inquiry from my credit report. I request that you investigate the inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 

Name : XXXX  Date : XX/XX/XXXX ; XX/XX/XXXX Name XXXX XXXX XXXX Date : XX/XX/XXXX Note : This is on there twice with two different addresses. Was informed it was a soft inquiry not a hard inquiry conducted. 

Name : XXXX  Credit Date : XX/XX/XXXX. 

Name : XXXX XXXX Date : XX/XX/XXXX Note : Was informed it was a soft inquiry not a hard inquiry conducted. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 



Thank you for your assistance in this matter, XXXX XXXX
Consumer complaint received 2024-10-17
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. (LA)

XXXX XXXX  account number XXXX for {$2500.00}, XXXX XXXX XXXX  account number XXXX for {$680.00}, XXXX  account number XXXX for {$600.00}, XXXX XXXX  account number XXXX for {$1300.00}, XXXX XXXX  account number XXXX for {$360.00}, XXXX  New account number XXXX for {$2800.00}, XXXX XXXX account number XXXX for {$150.00}, XXXX account number XXXX for {$3900.00}. I am the victim of identity theft. There are data breaches that are affecting me, I have run a dark web scan and it has confirmed that my personal information is being tracked to activity on the dark web and this is causing incorrect reporting to my credit. I am asking that you investigate and remove these incorrect accounts from my credit report.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My accounts was never late! I have had exceptional payment history with XXXXXXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!