davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (IL)

In accordance to the fair credit reporting act, Radius Global solutions ( 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 : states a consumer reporting agency can not furnish an account without my written instructions. 

I noticed an address on my credit report that doesn't belong to me. I have never lived at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I tried to inform credit bureaus of the address on my file where I have never resided. They told me I have to contact the collection company. After multiple attempts, I was finally able to contact Radius Global Solutions and they refused to remove this inaccurate information from my report.
Consumer complaint received 2023-07-27
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. (SC)

In accordance with the Fair Credit Reporting Act, the listed accounts have violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681.

These accounts are not mine nor did I authorize them. I have reach out via certified mail over 30 days ago to the three-credit reporting agency ; TransUnion, XXXX, XXXX to investigate these inaccuracies but they still remain without the proper investigation or validation of these debts. 

These accounts have violated my rights : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account XXXX XXXX, XXXXXXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX Account XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX Account # : XXXX, XXXXXXXX XXXX XXXX Account # : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) Account # : XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) Account # : XXXX XXXX XXXX Account # : XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A, states that a consumer reporting agency can not furnish an account without my written consent or 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 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.

I have attached a credit report with these terrible mistakes by the credit reporting agencies.to support my claims
Consumer complaint received 2022-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion is a deceptive company. There are lots of incorrect phone numbers, address and consumer things on my account that don't belong to me. When I tried to call, I was hung up on 3 times and online gave me a error message that said my report was unavailable. It was a mess. I have a XXXX score, a XXXX bankruptcy with 1 new credit opened from my credit union and thats it. No wonder I cant get credit, they have so much junk on my file its a shame. Also they have offshore Customer service people who you can barley understand handling American consumer reports. That is too important of a task to put in the hands of people from another country. TransUnion needs to be fined and abolished,
Consumer complaint received 2022-04-29
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SunTx Capital Partners (TX)

Hello, I am having problems getting Freedom Truck Finance to do a full investigation on my account. I was approved for 4 extension on this loan. They only have 2 due to a new company buying them out. My love should have never have any late payment nor should they close this account on my credit report. They can 't provide any paper work showing my original loan. I paid the balance out in full when I was suppose to but according the FTF I didn't. I would like my account open on my credit report with no late payments. 
Here are my account numbers. 
Original loan- # XXXX New loan with new company-XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I recently reviewed my credit report and discovered several inaccuracies that are adversely affecting my credit score. These inaccuracies include accounts that I do not recognize or transactions that were incorrectly reported. Attached, you will find a detailed list of the accounts and entries in question. 
I am currently in the process of purchasing my first home for my family, and it is critical that my credit report accurately reflects my financial history to ensure fair and favorable mortgage terms. I urge you to review the attached documents thoroughly and remove the inaccurately reported accounts as required by the Fair Credit Reporting Act. 
Your prompt attention to this matter will not only help rectify errors on my credit report but also facilitate a significant life eventthe purchase of our family home. I appreciate your immediate action in resolving these discrepancies.
Consumer complaint received 2022-08-28
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. (TX)

This report that is being filed is NOT a duplicate and is not filed by a 3rd party. I, XXXX XXXX XXXX am filing this report. In Accordance with the Fair Credit Reporting Act XXXX these accounts below 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. XXXX. Account XXXX : XXXX XXXX Account XXXX XXXX XXXX. Account XXXX : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account Name : US DEPT ED Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX XXXX. Account Name : US DEPT ED Account # XXXX
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Im writing to file a complaint against Bank of America for their failure to remedy an action that was outside my control and fraudulent in nature. On the date noted, Bank of America ran a hard check of my credit without my approval to process an application for credit. The credit requested is believed to be for a credit card, which was obviously not me, because I already have a Bank Of America credit card. Hypothetically, if I was interested in additional credit with BofA, I would have requested an increased limit on my current credit card with BofA, not filled out an application for another credit card with the same bank. In addition, this request was not made by me based on the fact that my home network was hacked and illegally accessed. I have attached documentation to prove this occurrence is valid both past and present. My documentation includes a notice received from XXXX XXXX XXXX Cybersecurity Department validating my network, computer, mobile devices, and email accounts were accessed and used fraudulently by an unknown third party, but currently understood to be employees of XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. These companies are the only ones having keys to my network 's main switch room. My understanding of this is based on information reported to me by the then buildings custodian, who monitors daily access to the switch room. I have also attached screen prints from my XXXX XXXX app that showed repeated unknown devices and laptop computers accessing my secured network, where I alone am the only person that should have access and monitor security issues constantly. The information regarding unknown devices is also credible as it is provided by XXXX XXXX XXXX XXXX XXXX, alleged to be the most secure personal and small business network provider in the market. Lastly, I will submit a police report documenting my network being illegally compromised, but unfortunately, this is subject to ones ability to make the XXXX XXXX police department record my report as no physical assets were stolen or property damage occurred, regardless of this event having a very concerning effect on my overall credit report and credit worthiness to future lenders. If you have any questions or require any additional information, please advise and be happy to assist.
Consumer complaint received 2024-08-28
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 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 2023-07-04
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2022-08-28
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. (GA)

In accordance with the Fair Credit Reporting act XXXX CARD Services Account # XXXX 2025 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 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
Consumer complaint received 2022-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Flagstar Bank, N.A. (OH)

My name is XXXX XXXX XXXX XXXX ss # XXXX My DOB XXXX My address : XXXX XXXX XXXX XXXX XXXX OH XXXX I checked my 3 credit report agency XXXX XXXX XXXX and XXXX and I see a collection from XXXX XXXX XXXX in the amount of {$350.00} Belongs to the original creditor Flagstar Bank XXXX according to the detail, the account opened on XX/XX/2019. I contacted Flagstar Bank at XXXX to dispute this collection account, they said that this account belonged to XXXX XXXX and was transferred to Flagstar Bank but I told them that I have no knowledge of this account, I never done business with XXXX XXXX as well as Flagstar. This account is not mine and I never signed anything to open this account unless someone stole my info and fake my signature. Please help me to remove this for me. Thank you so much
Consumer complaint received 2024-10-24
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. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

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. I have not obtained possession of goods, services, or money as a result of the blocked transaction or transactions. Also, I have not authorized these transactions or authorized anyone to use my information to open these transactions.

This request has NOT been made in error, it is NOT a misrepresentation of material fact relevant to the request to block and I have NOT obtained possession of goods, services, or money as a result of the transaction issue.
Consumer complaint received 2024-10-24
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. (GA)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.
Consumer complaint received 2022-09-19
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. (MO)

I am submitting this Another CFPB Complaint to inform the Credit Bureaus that they have failed to correct or update the disputed accounts reporting erroneous information on my Credit File. I previously sent a dispute letter addressed to the Credit reporting Agencies requesting that they update and correct the disputed accounts on my Credit File. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 item/accounts/information below : XXXX XXXX Balance Owed : {$26.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3000.00XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2022-08-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/XXXX my cousin in XXXX transferred {$5000.00} from her account onto mine in the US at XXXX XXXX. On XX/XX/XXXX she received notice that the transaction was rejected with no further explanation. Those {$5000.00} turned out {$4800.00}, the voucher showed that Bank of America located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, was the correspondent in this transaction. On XX/XX/XXXX I emailed the bank 's customer service requesting an explanation of those {$130.00} charge for this failed operation. The next day they replied to me saying to call customer service to discuss the issue, which I asked them to first give me a written explanation of those charges and to provide me the name of the person to discuss this matter. Since then, I haven't received any communication back from them. 
During the time the transaction was in process, I got no correspondence or phone call from the bank to let me know that there was an issue with the operation. I am a regular citizen who is not familiar with international transactions, I would have done everything in my power to make this operation successful, had I've known the problem in advance. This charge is completely unfair, outrageous and a deceptive business practice from the bank.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2022-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability