davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-15
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. (LA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance XXXX : {$0.00} XXXX XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX  XXXX Balance Owed XXXX {$150.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$410.00} XXXX  XXXX Balance Owed : {$0.00} Medical XXXX Balance Owed : {$90.00}
Consumer complaint received 2022-09-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION (FL)

Made payment on XX/XX/2022 REGIONS ACCT PMT ACH debit - {$50.00} The complaint is that I was reported late to the bureau for an annual fee. I never received notice that the fee was due. You also had an incorrect address stating an apartment number when I live in a house. When I saw the balance reflect on my credit report for my line of credit, I immediately contacted you to make a payment. I have 100 % on time payment and feel this was unfairly reported as I was not notified. I don't have online access as the representative I spoke to advised if you don't have a bank account, you cant be granted online access for line of credit. I ask you please remove this negative delinquent payment from my credit. As you can see I have never even carried a balance on the line and am very responsible with my account.
Consumer complaint received 2022-10-13
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. (AL)

I sent a letter on XX/XX/XXXX to Equifax to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; FLOYDATKINS, XXXX XXXX XXXX XXXX XXXX GRAND XXXX XXXX XXXX XXXX KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2022-10-13
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items 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 items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$52.00} XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2500.00} XXXX XXXXXXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc. (NV)

I had what they call a credit builder plus loan. Where a loan was taken out and i paid it back with out access till i paid it off. They reported my payments to credit companys. I paid the balance in full and my account failed to reflect my payment. I tried calling and messaging. I never got a response as to what was wrong. Then i was told an investigation was happening but why or what they were investigating was never disclosed. I was promined by numerouse reps that i would be updated. Never did anyone one email or call. I found out after calling that the money was gon na be realesed with no time frame. Then days later they claim it was denied because they didnt have my routing number. The routing number to themselves! They are the bank to which i have an account with. They same account used to make payments. So i find it hard to believe they didnt have it. And finally almost 2 weeks later i still dont have the money in my account. Mind you i paid it off because i was going to get the total sum. I needed it to make a payment to which is now late and i owe a late fee.
Consumer complaint received 2022-10-13
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I sent a letter on XX/XX/XXXX and was sent to Experian credit bureau to remove ( personal information, address, accounts & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Date XXXX XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2023-06-22
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. (NJ)

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 XXXX XXXX is and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Subject : Dispute of Collection Accounts Under the Fair Credit Reporting Act ( FCRA ) To whom it may concern : I am writing to formally dispute two collection accounts appearing on my credit report from XXXX Funding ( # XXXX ) and XXXX XXXX XXXX ( # XXXX ). I believe these accounts contain inaccurate and/or unverifiable information. I am requesting a thorough investigation in accordance with the Fair Credit Reporting Act ( FCRA ) and relevant consumer protection laws, including 15 U.S.C. 1692c, 15 U.S.C. 1692g, and 15 U.S.C. 1681e ( b ). 

Account Details XXXXXXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Basis of Dispute Under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), I have rights to accurate and verifiable reporting on my credit file. My dispute is based on the following sections : Unverifiable Information ( 15 U.S.C. 1692g ) : This provision requires that debt collectors provide valid documentation of the debt. I have not received adequate verification of these accounts from either XXXX XXXX or XXXX XXXX XXXX. Without such documentation, these accounts are unverifiable and should be removed. 

Improper Communication ( 15 U.S.C. 1692c ) : This code prohibits unauthorized or inappropriate communication about my account status. If any such communication has been made without prior verification, it further demonstrates non-compliance with the FDCPA. 

Accuracy Standards ( 15 U.S.C. 1681e ( b ) ) : This section mandates that credit reporting agencies ensure the maximum possible accuracy of all information on my credit file. The presence of unverifiable or inaccurate information compromises my file 's accuracy, in violation of this provision. 

Request for Immediate Action I respectfully request that an investigation be conducted on these accounts as required under 15 U.S.C. 1681i of the FCRA. Should XXXX XXXX and XXXX XXXX XXXX be unable to verify these debts within the legally mandated timeframe, I request that these accounts be removed from my credit report. I also ask that I be provided with an updated copy of my credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. I appreciate your efforts to ensure that my credit report is accurate and compliant with federal regulations. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-03
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)

In accordance with the Fair Credit Reporting act 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 2023-04-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (CA)

Dear Sir/Madam, This is a supplemental to CFPB Complaint Number XXXX filed on XXXX. XXXX  XX/XX/2023, someone who claimed to have called from Wells Fargo resolution team at or about XXXX XXXX, phone number XXXX, and told me that she was recording the call, i : then informed her that i : too will be recording the call, she then told me that she did not consent to being recorded, i : also told her it is either we both record the call, or neither of us would be allowed to record the call, she said that she can not stop the recording, i : then informed her that i : too will not stop the recording. She then asked me for the last 4 digits of my trust 's social security number, i : told her that i : do not need to supply her with that, but i : can tell her that i : did complain to CFPB about the misconduct of Wells Fargo in concealment at 18 USC 2071 -- concealment, and Wells Fargo 's being in contempt of the writ for not returning the writ and must show cause why i : am not entitled to a tort claim to purge Wells Fargo 's contempt for not returning the writ. i : also told her that i : welcome an opportunity for Wells Fargo 's amicably furnishing the particulars specified in the writ, without involving any additional government agencies -- CFPB, Court, etc etc. i : reminded her that concealment is a criminal offense and Wells Fago can not use a false narrative [ that the method of serving the subpoena were not proper, when USPS specifically identifies registered and certified mail restricted delivery is the highest level of service of process, even higher than personal delivery through a process server. She insisted to get the last 4 digits of my trust 's ssn, i : told her she does not need that and i : will not furnish that, and that Wells Fargo must adhere to the power of the writ and immediately without any further delay furnish the required particulars under the power of the writ.
Consumer complaint received 2023-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Best Service Co.,Inc (CA)

Account - The best services XXXX Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following. Violation of the Fair Debt Collection Practices Act Defamation of Character
Consumer complaint received 2023-03-30
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. (NJ)

XXXX XXXX XXXX  is reporting inaccurately and XXXX is reporting a debt on my account for a collection that is inaccurate. It also has incorrect information reporting. The amount is {$350.00} and {$700.00}. In accordance with the Fair Credit Reporting act 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 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 purpose
Consumer complaint received 2022-07-27
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. (GA)

In accordance with the Fair Credit Reporting act 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I deposited a check and the check cleared but then chase bank had place my account on hold and I can not access my account, due to them wanting to verify the person who wrote the check, I have read chase bank has been doing this to a lot of customers holding peoples money for a month even up to 2 months, they should be verifying the money bank to bank not for me to provide a number for them to call to verify if the check is a fraud or not.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

whom concerns On XXXX I got a FTC report because I noticed fraud on my consumer reports. I noticed several names that were inaccurate personal information, such as my address, name, and telephone numbers, on your consumer report. You have a right under the Fair Credit Reporting Act ( FCRA ) to have accurate information on your consumer report, address, and phone numbers in my consumer file. I XXXX XXXX ( consumer ) did not authorize or provide written instructions for these accounts, indicating potential fraud and violations of your consumer rights..Under 18 U.S.C. 1028, 1028A, and 15 USC 1681q, XXXX has committed Aggravated Identity Theft and other violations. Title 18, U.S. Code, Section 1028 : ( a ) Offenses : ( 7 ) Aggravated Identity Theft : You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

15 U.S. Code 1681q : You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

Based on the provided information, you have correctly identified the offenses committed under these sections. Aggravated Identity Theft and unlawful possession or use of a means of identification are serious violations with both criminal and civil penalties. You have the right to dispute the accounts associated with these offenses and seek appropriate legal action. the law says you have 4days of receipt to block all information that was fraudulently reported I didn't ask for any verification but they took the law into they took the law into hand because they think company policy is over the law
Consumer complaint received 2022-08-22
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. (TN)

I am writing to dispute the following information in my file. There's an unauthorized credit inquiry made by XXXX XXXX on XX/XX/2022. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purpose. As such, it is a very serious error in reporting. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act, section 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation, please and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify this validity.

If you find that I was not one who authorized this inquiry, I ask that it be removed IMMEDIATELY from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, them please send me proof of this. Your immediate attention to this matter is appreciated!
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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

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

I demand the late payment reported in 60 days to be removed.

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

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

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-26
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. (CA)

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. 

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (IL)

You sent me your request an hour ago. By state statute we have 5 business days to return a response. There are multiple requests ahead of you. 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr XXXX XXXX FAX XXXX I never applied for a XXXX card and I would want for you to discuss them to this XXXX XXXX XXXX I filled a police report that I never applied for this account can you please help me.