davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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 Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank 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 Bank 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 Bank 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 Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance 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 Finance 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 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 seveXXXX years. 

15 U.S.C. 1681sXXXX ( A ) ( XXXX ) 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 i
Consumer complaint received 2024-09-15
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. (NY)

The following Accounts, US Department of Education US Department of Education, US Department has violated my rights pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g, states validation is requested. Pursuant to 1006.34 Notice for validation of debts. A debt collector must provide a consumer with the validation information required by paragraph ( C ) ( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information. ( ii ) The consumer 's name and mailing address. ( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date. ( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number. ( v ) The name of the creditor to whom the debt currently is owed. ( vi ) The itemization date. ( vii ) The amount of the debt on the itemization date. ( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. ( ix ) The current amount of the debt. Pursuant to 685.215 Discharge for false certification of student eligibility or unauthorized payment. If the borrower 's name is on the loan application or promissory note without the borrower 's authorization ; this action qualifies for a discharge of false certification. Unauthorized payment. The Secretary discharges a borrower 's ( and any endorser 's ) obligation to repay a XXXX XXXX if the school, without the borrower 's authorization, endorsed the borrower 's loan check or signed the borrower 's authorization for electronic funds transfer, unless the proceeds of the loan were delivered to the student or applied to charges owed by the student to the school.
Consumer complaint received 2021-03-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

In XXXX, I sent a debt validation to Midland Credit Management asking them to validate a debt they say I owe. I also sent a follow up letter reminding them that they have not answered the original request. As of today, they still have not validated the debt. Documents of the correspondence are attached.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to request the immediate removal of credit accounts associated with XXXX XXXX XXXX XXXX XXXX from my credit report. Upon careful examination of a provided screenshot, I have noted both inconsistencies and inaccuracies in the DATE OPENED, LAST REPORTED, DATE LAST ACTIVE AND DATE OF LAST PAYMENT all of which are in direct violation of 15 US Code 1681e ( b ). Furthermore, I never provided written consent for XXXX to report my information, as required by 15 USC Code 602 ( a ).
Consumer complaint received 2021-11-30
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. (FL)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-03-30
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. (LA)

Last XXXX I've sent documentation regarding to those inaccurate and unknown accounts Ive found on my credit report it cause me stress. Its almost 30 days now but I haven't received any response. I demand to DELETE asap or I will file Litigation.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$4600.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$3200.00} ; XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2021-03-30
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. (SC)

I have been disputing since XX/XX/XXXX inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-45 day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another dispute letter to each of the brueaus, demanding they delete the inquiries that I did not authorize. Here it is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2024-10-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc. (CT)

Copy from company complaint : " This is a formal complaint, which I will also submit to the CFPB. 

Your phone bot is intentionally designed to infuriate and block your customers, preventing them from reaching a human who can actually solve their problems. There is often no way to say " I need something else '' if a customer has unique needs, so you have to lie to talk to a representative, adding further delays. The bot is an endless, infuriating loop designed specifically to prevent any issues from being recorded, logged, and managed as required by law. '' The company is charging for a payoff quote. An official payoff is a legal requirement to sell the property, and therefore, the customer has no way to opt out or avoid this service. This appears to be an abusive act or practice. When attempting to contact the company by phone, there is no clear way to talk to a human representative and the bot can not solve all problems or deal with unique situations. Live chat connected me with someone who first said " I do not see any fee on the account '', then " we can not waive the late fee, '' indicating a complete lack of understanding regarding my issue. 

I will not stand by and allow them to treat their customers this way. This customer service model is despicable.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX MN XXXX RE : CEASE AND DESIST To Whom It May Concern, This letter serves as formal notice to Jefferson Capital Systems LLC to immediately cease and desist from reporting inaccurate & non verifiable debt on my credit report. Your actions are in violation of 15 U.S. Code 1692 and they must stop immediately. 

Should these activities continue, I will not hesitate to take further legal action to enforce my rights. I expect your acknowledgment of this letter and confirmation that you will cease all mentioned activities no later than XXXX Sincerely, XXXX XXXX
Consumer complaint received 2020-12-08
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: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (TN)

I am a victim of identity theft. Because of the identity theft I ordered my XXXX report and found the following inquiries that were not authorized by me : Peoples United Bank XX/XX/2018
Consumer complaint received 2023-01-30
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. (NC)

On XX/XX/XXXX I mailed an Opt Out Notice and validation request to XXXX XXXX XXXX XXXX I requested that both accounts acct # XXXX and XXXX be validated request listed below : Copy of my written consent to form a credit report on behalf of entity XXXX XXXX XXXX ; The amount they claim the Principal owes them ; A letter of explanation showing me how they have computed the amount ; Contract with both XXXX XXXX Signatures ; Copies of any document that prove I agree to pay the alleged amount ; The identity of the original creditor ; Confirmation that the account has not reached the statute of limitation ( SOL ) period ; Evidence that they are a licensed debt collector ; Evidence of your license numbers and your registered agent ; XXXX XXXX ignored my request and continued to report after I opted out and revoked my permission. They were informed of the privacy act of XXXX as well as all other violations below. Then notified a 2nd time on XX/XX/XXXX after ignoring the 1st Demand. 

The privacy act of XXXX 15 USC 6802 15 USC 1681 Violation of 15 USC 1681a ( 2 ) ( a ) ( 1 ) Violation of 15 USC 1681 ( a ) ( 2 ) Violation of 15 USC 1681 ( a ) ( 4 ) Violation of 15 USC 1681 ( b ) ( c ) Violation of 15 USC 1681 ( b ) Violation of 15 USC 1692 ( f ) Violation of 15 USC 1681n Violation of 15 USC 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A Defamation of character Capital one is in violation of multiple US Codes, Privacy Act of 1974 and FCRA.

All capital one accounts are to be removed from my credit report Per 15 USC 6802.
Consumer complaint received 2021-03-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica (MO)

On XX/XX/XXXX I informed Direct Express and Social Security that my Direct Express card was lost and I needed a replacement. Social Security reported they cancelled the card and would replace it with a new card which would take 7-10 business days. 

I contacted Direct Express after a week and they reported they needed a XXXX Consent based process to begin form with Social Security I contacted Social Security and they told me they don't do this anymore. They requested an ID, Social Security Card and Birth Certificate which I do not have as they were lost also. My Case Worker provided a copy of my ID and it was not acceptable without a copy of the back of the card. So this process ended. 

I received letters dated XXXX and XXXX from Social Security stating it would take 1-2 months for the money to be transfered to the new card. I contacted Social Security again by phone regarding the letters and was told Social Security has nothing to do with Direct Express. 

I contacted the Social Security office XX/XX/XXXX by phone with my Case Managers and I was informed it would be 3-4 weeks before I get my card and Social Security is depositing regularly to the new card. 

Wednesday XX/XX/XXXX My Case Manager and I contacted Social Security to report my concerns that I am unable to access my money with Direct Express. The representative denied that Social Security has anything to do with the process yet the letters explain the length of time 1-2 months that they take to deposit to a new financial card. After I read the letter to the rep she looked further into the problem and assured me the card should come soon. 

Friday XX/XX/XXXX My Case Manager and I attempted to call Direct Express, after waiting on hold for approximately 30 minutes we reached a representative. We were told Direct Express could not help me until we contacted Social Security and filled out the consent form. I tried to explain that the Social Security Offices were closed and I was unable to complete the form. Social Security had already informed me that they no longer use that consent form. 

Social Security did inform me by letter dated XXXX stating my social security number is in my name which was the verification they asked me for. 

I do not have my card and am unable to pay my bills. Thank you for looking into this.
Consumer complaint received 2023-01-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Credit Control, LLC (TX)

Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Mam, Credit Control , LLC XXXX has been writing asking me to pay {$920.00} on or before XX/XX/XXXXXXXX XXXX XXXX  indicating my account will be considered resolved as a settlement. This type of letter was similar to what XXXX XXXX XXXX XXXX asked for in XX/XX/XXXX to pay {$3500.00} to settle my account. some disputes were made why my credit card was canceled. I tried to update my card to a current status. All attempts were made by me were denied. It was reported to wrongly to credit bureau said, I was the XXXX who requested cancellation. I decided to settle as to closed the account. It was agreed on both sides. XXXX XXXX  cancelled my credit card because my XXXX card expired and I did not know. After receiving my money order of {$3500.00} as requested and agreed on the contract letter enclosed, XXXX XXXX failed to give a good crediting rating and kept the my money. The {$3500.00} was not monthly bill. It was agreement. If they failed they should return my money. Credit Control claimed authorized to off settlement for a second time. It is not right and not fair to trust them second time requesting {$920.00}. I have sulfured lot of pains and headaches. It has been on several dispute since XXXX 

Enclosed/Attached are copies of settlement letter and money payment records, supporting my position.
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Upgrade, Inc. (NY)

My identity was hacked on XX/XX/XXXX. I was able to contain and correct all activities I was aware of in about 10 days. On XX/XX/XXXX, I began receiving texts, phone calls, and emails from a company called Uplift, claiming that my " payment '' was late. I called the company XXXX times and told them I had never done any business with them. I uploaded proof of my identity and address as proof of who I am. They continue to harass me with frequent demands for payment of a past due debt. They have not informed me of any of the details of the supposed debt. I had never heard of this company before. Furthermore, they seem to change their name ever few weeks. First it was " Uplift, '' then " Upgrade, '' and now " XXXX XXXX. '' Before anyone would even talk to me on the phone, they cajoled me into giving them information that I now believe they may be using to defraud me. They claimed that they could not " find my file '' unless I provided my COMPLETE Social Security Number and full date of birth. I now feel that I have been fooled into giving this information to bad actors.
Consumer complaint received 2023-07-18
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.C. System, Inc. (NY)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I bank at Chase Bank and on XX/XX/XXXX a check that was supposed to be sent to XXXX XXXX for {$250.00} was superimposed and my signature was forged by someone inside the bank and {$500.00} was taken from my account. A complaint was filed to the check forgery department on XX/XX/XXXX and on XX/XX/XXXX, XXXX a supervisor at Chase Bank stated the complaint that was filed was still being investigated and it takes at least 30 days. I would like my {$500.00} returned and no one at Chase Bank wants to assist in doing, or at least provide a conditional refund of the money until the complaint has been investigated.
Consumer complaint received 2024-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to formally file a complaint regarding unauthorized credit inquiries made to my credit report. I have discovered several inquiries that I did not approve or authorize, and I am unfamiliar with the companies involved. Additionally, I believe that the credit reporting agencies have shared my personal credit information without my consent. 

The following unauthorized inquiries were made to my credit report : XXXX. XXXX XXXX - Date : XX/XX/year>- XXXX XXXX : TransUnion 2. XXXX XXXX XXXX- Date : XX/XX/year> - Reporting Agency : TransUnion I have not applied for credit with any of these companies, nor have I given them permission to access my credit report. I am concerned that my personal information has been shared without my consent, which is a violation of my rights under the Fair Credit Reporting Act. 

I kindly request that your office investigate this matter and take appropriate action to ensure that my rights are protected. I would also appreciate any guidance on how to address and resolve this issue with the relevant credit reporting agencies. 

Thank you for your attention to this matter. I look forward to your prompt response.