davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-21
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. (FL)

These XXXX Hard Inquiries are not mine. 
Inquiry date XX/XX/20XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX, and Inquiry date XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2022-07-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NY)

Hello how are you I have the knowledge I own almost XXXX XXXX dollars for at XXXX bank and I paid o ready but this people garnish my account again at work the 3 time for same amount and never received a paid off later the 2 times o ready pay this people go to my account take it the money 3 time Midland Funding LLC
Consumer complaint received 2024-08-15
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. (IL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
Account name : # XXXX XXXXXXXX : XXXX, Account name : # XXXX XXXX : XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX USC XXXX ( XXXX ) ( b ). 

And according to XXXX USC XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX USC XXXX they are suppose to 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 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

The Company XXXX XXXX has not reported my account as Closed to all 3 credit bureaus, my account was paid off on XX/XX/XXXX for amount XXXX and the company failed to report the correct information to all 3 credit bureaus.
Consumer complaint received 2022-07-22
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 XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account 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 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC (NV)

I have filed a XXXX report about my situation already and my issue with this company/account was not resolved. I am filing this report about an open account with Opportunity Financial as they are in violation of the FCRA. In pursuant to 15 USC 1692c, ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. Also in pursuant to 15 USC 1692g, I am the original creditor and only I am able to validate a debt. I demand that this account is updated to payed as agreed and that the company ceases all further communication that isn't by mail and to desist the alleged debt. If there is no changes in the next 30 days I will be taking further legal actions.
Consumer complaint received 2023-02-15
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: Conn's, Inc. (TX)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
You have no permissible purpose by law to contact third parties with my private or personal information.Your offenses amount to aggravated Identity Theft pursuant to 18 U.S.C 1028A.You have knowingly transferred, possessed, or used, without lawful authority, a means of identifications of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
account deleted from my consumer rep This agency is a violation of 15 USC 1692g.This is an official dispute of this account.I demand the above account deleted from my consumer report.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The XXXX XXXX XXXX has not reported my account as Closed to all 3 credit bureaus, my account was paid off on XX/XX/XXXX for amount XXXX and the company failed to report the correct information to all 3 credit bureaus.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX Bank Accounts ending in XXXX and XXXX on all 3 credit bureau reports are reporting charge-off as the status under the accounts after they were settled and paid off with XXXX XXXX Bank . This is inaccurate reporting of information and I am requesting that the CFPB please have these inaccurate remarks removed from my account and updated to settled-paid as agreed.
Consumer complaint received 2022-07-27
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. (CA)

Sent Letter Notification & Disputes in XX/XX/2022 and XX/XX/2022 to TRANSUNION. TRANSUNION is reporting ( XXXX ) Alleged Debt Collection amounts {$7100.00} ; {$920.00} from the same Alleged Debt Collector " XXXX XXXX XXXX '' ; Alleged Debt Collection Amount {$190.00} from XXXX XXXX XXXX and Alleged Debt Collection Amount {$230.00} from XXXX XXXXXXXX XXXX XXXX These accounts are inaccurate & fraudulent as I have never signed any contract to do business w/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ; I never signed any contract nor did I provide permission for these companies to use my private information ; Congress has stated under federally protected law that I have a right to privacy. Since XXXX XXXX XXXXXXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX fraudulently obtained by private information, TRANSUNION is also participating in this fraud by reporting my private information ; This is a form of Identity Theft and they are all implicated. 
I obtained my XXXX Credit Report currently stating ( XXXX ) Collections which factually provides proof of inaccurate information against TRANSUNION 's Credit Report. 
TRANSUNION has not provide their company 's Method of Verification and requested investigative consumer report as detailed in 15 USC 1681a ( e ) I have requested TRANSUNION to Block this Alleged Debt Collector Information per 15 US Code 1681c2 I have provided TRANSUNION notice they may be civilly liable for negligent noncompliance per 15 US Code 1681o SEE ATTACHED Letters that have been mailed and received via Certified Mail to TRANSUNION and their Registered Agent -- -XXXX  XXXX
Consumer complaint received 2020-01-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2023-02-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (CA)

Problem : I received a mail from Phoenix Financial Services, a debt collector, who is collecting a debt for a stated date of service over 5 years ago that I never once received a bill by any service provider or creditor as specified ( XX/XX/XXXX date of service ). I am reporting Phoenix Financial Services for collecting a debt and incurring me this stress about an obligation I never once were notified. I am not aware IF the original creditor, as stated in the mail, " XXXX XXXX XXXX XXXX' is also a part of the problem for selling my information to XXXX XXXX XXXX, XXXX, who placed the account to Phoenix Financial Services ( debt collector ). Based on the mail as I read it, it seems like a SCAM, which is the reason why I'm reporting Phoenix Financial Services. Please see below. 

XX/XX/XXXX : I received a letter from PHOENIX FINANCIAL XXXX, a debt collector, stating that I owed {$2100.00} for a date of service XX/XX/XXXX ( over 5 years ago ) from an " Original Creditor '', " XXXX XXXX XXXX  ''. The mail states that I owe the currrent creditor, " XXXX XXXX XXXX XXXX '' {$200.00}. However, if I pay Phoenix Financial Services before XX/XX/XXXX, I would only have to pay {$80.00} or else Phoenix Financial Services " may continue to report me to the credit reporting agencies as unpaid for as long as the law permits this reporting '' and adds to state that it will not sue me because of the age of the debt, implicating to add to the stress by using the word " sue ''. This is VERY CONCERNING that at my age, I am vulnerable to this potential SCAM. Please HELP!
Consumer complaint received 2022-07-22
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. (NC)

There is information thats on my consumer report, that is a result of identity theft. I did not provide written permission or instructions for the identity. Transaction to be reported on my consumer report.I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions are not information related to my transactions by me as a consumer. 

You are required to do what I am asking and block these transactions from being reporting/ reported within 4 days from the receipt of this notice I look forward to your response XXXX XXXX credit card XX/XX/2022
Consumer complaint received 2020-01-24
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. (MS)

Made several calls to creditor as well as credit bureaus. made dispute with credit reporting agencies including sending letters.agencies are very beligerint and refuse to take action. this is not my account. XXXX  & Experian still have not taken any action. 
XXXX  removed derogatory mark.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AL)

My credit score does not ever change with Equifax. Equifax is not removing inquires off my report. I have file a FTC report to have account remove they have refused. Equifax have not updated my credit report with my good standing creditor 's. Equifax will not remove accounts that are over 7 & 10 years on my report .I am reporting discrimination and the customer service rep are rude and hang up the phone to keep you from disputes. 
I am very discussed with them .EVERYTIME I CALL they have my number on block to keep me from getting thru. I get a recording from my number but, when i call from another phone number I get thru to them .when a rep answer they put me on hold for a long period of time This is so unprofessional. we need to replace this company.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA. 

In accordance with the Fair Credit Reporting Act below, the following accounts have 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 an 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 reason
Consumer complaint received 2022-07-21
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. (TX)

XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of INACCURATE payment historywhich is being reported by Experian on my credit report. My latest credit report shows an payment discrepancies listed on Experian, however correct payment history having never been late on other bureaus. 
Please havethese/thisinaccuraciesremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-07-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am making this complaint against XXXX XXXX, XXXX. for committing identity theft. I have never given XXXX XXXX, XXXX. any permission to use any of my identifying information to commit mail fraud by contacting me about any alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ) and lawfully discharging the debt pursuant to UCc 3-604 ( a ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX, XXXX. can provide me with sufficient documentary evidence that I have any legal or lawful obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX, XXXX. continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX, XXXX. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud and mail fraud. Upon the receipt of the document herein and of this notice, you are hereby notified pursuant to UCc 1-202f. Your promt attention and response are both requested and required.
Consumer complaint received 2022-07-21
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: Colony Brands, Inc. (LA)

Hello, I received an email from XXXX that inquiries were made on my credit to Ginny 's, Seventh Avenue, XXXX, and Montgomery Ward. I did not try to open any of these accounts. I also received a message that a XXXX card was opened in my account. I contacted XXXX and they were able to close that account. They notified me that the person that opened a card on my account lives at XXXX XXXX XXXX XXXXXXXX XXXX and their phone number is XXXX. There are multiple accounts that someone has tried to open on my account. I also received notification that there are two phones purchased and two phone lines opened in my name under my XXXX account and I do not have these phone lines or these phones. These were opened in fraud and I spoke to someone regarding this at XXXX and nothing has been done
Consumer complaint received 2023-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc. (NY)

I disputed the {$50.00} amount with XXXX  and the representative verified that it would be waived as a one-time courtesy. Now, I am getting collection letters regarding the amount. You can see that I paid the original toll, as I was required to do so in the dispute. I am, however, still receiving bills for the {$50.00} that escalated to Professional Account Management. I see no way to dispute it on their website.
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America opened a BofA Celebrity Cruises Visa card in my name without my consent. The account was opened XXXX/2022. I received the card and new account information on XXXX2022. I immediately closed the account but no one at BofA could tell me by whom or why this account was opened. I was able to contact XXXX who confirmed that a soft inquiry was fraudulently made by BofA. They were able to remove the inquiry from my credit score. I want BofA held accountable. Unfortunately I can not close my one credit card account that I have had with BofA without it having a negative effect on my credit. 

Please tell me how to proceed. 

Thank you.
Consumer complaint received 2022-07-21
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXX Card Account # XXXX, XXXX XXXX XXXX Account # XXXX, and 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 2022-07-21
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Card Account # XXXX, XXXX XXXX XXXX Account # XXXX, and 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