davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
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. (VA)

In accordance with the Fair Credit Reporting Act. The account has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 Account # 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 USC 1681 ( A ) ( 4 ) 15 U.S.C. 1681 Section 604 A Section 02 : It also states a consumer reporting agency can not furnish an account without written instructions. 15 USC 1681b ( A ) ( 2 ) 15 U.S.C. 1681c. ( A ) ( 5 ) Section : It 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.

I challenged the accuracy, compliance and reportability of this listing and it came back verified. Please validate and have them provide method of validation on this information from this account and ask them to provide me with copies of the original contract between myself and XXXX XXXX and validation associated with this account, bearing my written signature. This has account has been updated with activity and this is a closed collection account. The term duration is INNACCURATE on this account states 1 month on XXXX, 0 months on XXXX, and Unknown on Equifax which is inaccurate as well as the first date of Delinquency are inaccurate as well. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I also attached an article from the CFPB ordering " Repeat Offender XXXX XXXX XXXX to Pay More Than {$24.00} Million for Continued Illegal Debt Collection Practices and Consumer Reporting Violations '' I requested validation and method of validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681S-2 ] [ 15 U.S.C. 1681e ]
Consumer complaint received 2022-09-22
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXXXXXX Balance : {$520.00} XXXX XX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Consumer complaint received 2022-09-27
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. (IL)

It appears that my credit file has been compromised. I was going through my records & noticed many ACCOUNTS which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these accounts as soon as possible. 
XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : MEDICAL ) XXXX Balance : {$230.00}
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

On XX/XX/2022, I sent an email to the courthouse asking do they report bankruptcy to any credit agenices and I received an email back stating that they do not report any bankrupcy to any credit bureau. If that the case how did the credit agencies verify my bankrudtcy as 100 % accurate. They never did a fair investigation according to the 15 U.S.C 1681.

15 U.S.C. 1681 SECTION 603 ( 3 ) ( E ) states The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They have violates my rights numerous of times. 
15 U.S.C. 1681 1681 SECTION 602A states I have the right to privacy. 
15U.S.C. 1681 SECTION 604A SECTION 2 states a consumer reporting agency can not furnish an accounnt without my written instruction. 
15 U.S.C.1681s-2 ( A ) ( 1 ) states Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-08
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST CITIZENS BANCSHARES, INC. (TX)

On XX/XX/2022 I opened a savings account with CIT Bank. After verifying the XXXX savings account I wished to transfer funds from via XXXX transactions, I submitted a request to transfer {$100.00} from my XXXX account to my CIT bank account. On XX/XX/2022, {$100.00} left my XXXX account has a transfer. To my surprise, on XX/XX/2022 an additional {$100.00} was transferred from my XXXX account to CIT Bank. I have no recollection of requesting or authorizing this transfer. 

On XX/XX/2022, I emailed XXXX for assistance. This is an email address they had listed on their website for customer assistance. I requested that CIT Bank provide me with proof that they were authorized to transfer the additional {$100.00}. I followed up on my request on XX/XX/2022. I did not receive a reply from CIT Bank until XX/XX/2022. Their reply said that it was a general informational email address and I had to request assistance elsewhere. I replied to them the same day requesting that they direct my urgent request to the appropriate person so that they could reach out to me with an answer. I did not receive a reply. 

On XX/XX/2022, I contacted CIT Bank about the same issue via their secured portal within their website. This was how the email on XX/XX/2022 advised me to contact CIT Bank on this issue. To date, I have not received a reply. The lack of response can only lead me to conclude that CIT Bank does not consider unauthorized transfers an urgent or serious issue.
Consumer complaint received 2022-12-17
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. (MI)

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. 

Account Name : 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 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-12-17
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX Account # 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
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-02
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. (NV)

This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1600.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX.
Consumer complaint received 2022-09-22
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-06
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: CITIBANK, N.A. (MT)

On XX/XX/XXXX we received a Loan Estimate where it had a CITI credit card reporting under the Liabilities. It shows there's a balance of {$510.00} with a monthly payment of {$54.00}. I contacted our lender and she said it may not be fraud since sometimes people have a credit card for Costco, Home Depot, etc... She called on XX/XX/XXXX to go over the loan estimate and the details of the Liability portion. She gave me a phone number to call ( XXXX ) XXXX and right away it said it was for a Costco Anywhere Visa Card. On the report it only has 12 numbers for a credit card, not 16. I entered my social and the 12 digits for the credit card that was on the report and nothing came up. I then was transferred to an agent and could he could not find anything under my social, name, or 12 digits of the credit card. I contacted the loan officer and she informed me that it was opened in XX/XX/2022, it's only reporting under my social, and there is a balance. I relayed this information to the agent and he transferred me to CITI credit card. After we explained the situation again they transferred me back to Costco Credit card because of the numbers it began with are for Costco credit cards not a regular CITI credit card. Once they transferred me I asked to speak to a manager and the lady asked why I needed a manager and she needed the information to be able to transfer me. I explained again and she told me she would get a hold of their Fraud Department and ask for guidance. She came back on the line and said to pull a credit report and dispute the CITI credit card and that there was nothing they could do on their end.
Consumer complaint received 2024-08-22
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. (AR)

I am writing to formally dispute the reporting of XXXX accounts from US Dept of EdXXXX that appear to be duplicates on my credit report. The accounts in question are : XXXX. Account # XXXX : Balance : {$5300.00} ( reported across all three bureaus ) Last Active Date : Experian : XXXX XXXX : XXXX XXXX : XXXX Late Payment Status : Was 90 Days Late XXXX Times ( reported by XXXX ) XXXX. Account # XXXX : Opened Date : XXXX Balance : {$6900.00} ( reported across all three bureaus ) Last Active Date : Experian : XXXX XXXX : XXXX XXXX : XXXX Late Payment Status : Was 90 Days Late XXXX Times ( reported by XXXX ) These accounts are clearly duplicative and contain conflicting and erroneous information. The discrepancies in balances, late payment reporting, and the duplication of accounts negatively impact my credit profile and need to be addressed immediately. 

Violations of the Fair Credit Reporting Act ( FCRA ) : The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), mandates that credit reporting agencies must ensure the maximum possible accuracy of the information they report. The presence of duplicate accounts with differing balances and late payment histories constitutes a violation of this statute. Furthermore, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) requires furnishers of information to report accurate data, which has not been done in this case. 

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The reporting of duplicate and inconsistent accounts can also be a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of any debt. The inaccuracies and duplication of accounts may also be in violation of 15 U.S.C. 1692f, which forbids unfair practices in debt collection.

Request for Immediate Action : In light of these violations, I am requesting the following actions : XXXX. Validation of the accuracy of these accounts ( # XXXX and # XXXX ). 
XXXX. Immediate removal of any duplicative or inaccurate information from my credit report. 
XXXX. An updated copy of my credit report reflecting these corrections.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

I find out new collection account from GENESIS CREDIT MANAGEMEN. Original name : XXXX XXXX XXXX. ( opened : XX/XX/2023 ) in my credit report with XXXX. I never had any deal with that company. First of all, I asked this company to prove to me that this is my debt and they didn't. If they can't verify my information, please remove it from my credit report immediately, i know it has to be remove in 30 days. If they can verify that it is my account please provide : method of verification, original contract with my sign and SSN number. Only if they will provide it, it can be verify! But i am sure they can't! This is not my debt, remove this account from my credit history. This is hurting my credit.
Consumer complaint received 2023-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

CURRENT DUE DATE : Your current due date is XX/XX/2023 PAYMENT FREQUENCY Biweekly START DATE CRITERIA In order to set up bi-weekly automatic payments the loan must be paid ahead by 1 month at this time. If your account is paid ahead 1 month you will need to select a Draft Start Date that will ensure a full payment ( 2 bi-weekly draft installments ) is received prior to the next due date and allows the account to continue to be contractually paid 1 month ahead. 

PAYMENT DATE Please select a draft day of the week ( XXXX ) that is most convenient for you. The day of the week selected will remain the draft day for the duration of the ACH enrollment. Your payment will be drafted on this day every other week. XXXX half of the monthly payment amount will be withdrawn every other week. In a years time, 26 voluntary drafts will be made. Every month, each draft will remain in the suspense account unless/until the funds available in the suspense account reach the amount required to satisfy a full monthly payment, at which time the funds will be applied to the account in accordance with the terms of the loan documents and/or other direction, as provided. 

Please Note : Every XXXX draft will be applied as a principal reduction. 


Wednesday MONTHLY PAYMENT : The current contractual payment amount is {$2100.00} Please Note : All drafts will include principal, interest, applicable tax, insurance, and any additional funds you may designate for payment of principal and/ or escrow. 

ADDITIONAL PRINCIPAL I would like additional funds deducted and applied to PRINCIPAL monthly. 
Please deduct an additional {$100.00} per month, {$50.00} biweekly. 
ADDITIONAL ESCROW I would like additional funds deducted and applied to ESCROW monthly. 
Please deduct an additional XXXX  per month TOTAL MONTHLY PAYMENT Your total monthly payment is {$2200.00}. 
Your biweekly draft is {$1100.00}. 
DRAFT START DATE The draft start date must be on a day of the week selected for drafting, and more than 15 days from today. ( e.g., If the selected draft day is Thursday then the start date must be on a Thursday more than 15 days from today ) Select a new date that will comply with the start date criteria. 
Above is the error message received from XXXX XXXX XXXX 

XXXX IS NOT ALLOWING THE ACCOUNT TO SET UP BI WEEKLY PAYMENTS AFTER MAKING XX/XX/XXXX PAYMENT AS REQUESTED BY THE XXXX. 
AT THIS POINT THEY ARE NOW REQUESTING THAT THE PAYMENT FOR XX/XX/2023 BE MADE BEFORE THE ACCOUNT CAN BE SETUP FOR A BI WEEKLY PAYMENT.
Consumer complaint received 2022-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (PA)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).