davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I have noticed multiple unauthorized hard inquiries on my credit reports specifically from XXXX and XXXX. I was able to obtain this information using XXXX XXXX. 2 of these hard pulls came from XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX. Upon noticing this I reached out and called the creditor, and I was told that the XX/XX/XXXX report they have already removed and that the credit bureau was notified by them to remove this hard inquiry months ago. XXXX XXXX began another investigation into the XX/XX/XXXX incident. 

The XXXX hard inquiry is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX dating back to XX/XX/XXXX. 


These 3 hard inquiries have significantly harmed me and prevented me from obtaining credit cards which I really have desired.

I WOULD LIKE TO FINALLY HAVE THEM REMOVED OF MY CREDIT REPORT AND STOP HARMING MY CREDIT SCORE IN THE FUTURE
Consumer complaint received 2024-08-01
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. (IL)

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. PURSUANT TO U.S.C 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 .

THESE COMPANIES ARE IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT ; 15 U.S.C 1681 SECTION 602 A. CLEARLY STATES THAT I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 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
Consumer complaint received 2024-08-01
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. (FL)

RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general 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- ( 1 ) 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. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-11-30
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I wanted to have a temporary lift on my Transunion Credit Report security freeze. I am a resident of the state of Nebraska which means I can get a freeze or thaw on my credit report without charge. When I tried to get a thaw by calling I was told it would be a {$3.00} charge. I gave my zip code which confirmed I live in NE. Since this was n't successful I tried to go online. My request could not be processed. I believe this might be because I have an alert on my account. I want XXXX things : 1. A phone number to reach a real person so I can get a thaw without a {$3.00} charge. 2. I want the CFPB to know that Transunion has a system flaw and all Nebraska residents have been erroneously charged {$3.00} for security freezes and thaws over the years. I also intend to contact the Nebraska Attorney General 's office.
Consumer complaint received 2024-11-23
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc. (TN)

I submitted a debt validation request to Eastern and also requested the company to cease and desist, explicitly requesting no further communication concerning this debt. Despite these actions, Eastern has reported this account to my consumer credit report. 

these actions are in direct violation of the FDCPA, which prohibits debt collectors from continuing to collect on disputed debt without proper validation. Reporting the account to credit bureaus while its under dispute also violates my rights under the FCRA. 

I have attempted to resolve this matter, I requested Eastern to send me specific information to validate the alleged debt. instead they only sent me a bill of the debt ; Eastern needs to send me the original contract or agreement that outlines the terms of the debt, including the amount owed and the date it originated. I need a complete history of payments made toward the debt, including dates, amounts, and how those payments were applied. also the name of any other entities that may have owned or serviced the debt prior to collection.

I need documentation that proves the collection agency has the legal right to collect on the debt, including any assignment or transfer of the debt.

I need details on when the debt was reported to credit bureaus, including information on how it is impacting my credit report. 

I have attempted to resolve this matter directly with the collection agency, but they have ignored my requests and continued their collection efforts. 

I am requesting that the CFPB investigate this matter and take appropriate action against EASTERN to ensure compliance with federal consumer protection laws
Consumer complaint received 2024-08-01
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. (OH)

TO WHOM IT MAY CONCERN I HAVE DISPUTED UNAUTHORIZED ITEMS AND ASKED FOR PROOF AND VERIFICATION OF OWNERSHIP OR EVEN A CERTIFIED RECEIPT VIA CERTIFIED MAIL ACKNOWLEDGING A DEBT OWED WITHOUT THESE ITES THEY ARE VIOLATING MY FAIR CREDIT CONSUMER RIGHTS AND ACCOUNTS NEED TO BE REMOVED # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-01
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. (TX)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 


Account Name : XXXX  XXXX XXXX ( Original Creditor : ) Account # XXXX Account Name : XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX  XXXX Account # XXXX Furthermore, please provide the following : XXXX. The Original Contract With My Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Consumer complaint received 2015-08-06
Product: Credit card — 
Issue: Balance transfer — 
Company: WELLS FARGO & COMPANY (VA)

I called Wells Fargo to inquire if I could reduce my current personal credit card rate. I was told by the agent that " they would transfer money into my personal checking account at 4.9 %, plus a fee '' When I asked for clarification, he had no clue what he was talking about. I KNOW what he was talking about - a Balance Transfer with a fee. He could not explain it, provide disclosures, provide details, etc. I immediately asked for his supervisor. " XXXX '' got on the line after XXXX min to tell me that " I was not understanding his associates words ''. HA. I totally understood ; his phone rep did not. I have worked in the credit card industry. It was misleading, uninformed, bogus, totally outside of standard practices.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-08-01
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. (MD)

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 : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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 2024-08-01
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. (MD)

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 XXXXXXXX XXXX XXXX XXXXXXXX Account NumberXXXX and list of Inquiries. 

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 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 2024-08-01
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. (GA)

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 Account Number : XXXX Account Name : XXXX XXXX XXXX  : XXXX and list of Inquiries. 

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 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 2024-11-22
Product: Debt or credit management — Student loan debt relief
Issue: Confusing or misleading advertising or marketing — 
Company: DebtEaze (AZ)

This company, " Debteaze LLC '' has violated the Federal TCPA multiple times, and has called several of my family 's cellphones over and over to try to sell us on their " student loan debt forgiveness program ''. They have also emailed me as well, violating the CAN-SPAM Act. Nobody in my house has student debt. This company cold calls consumers using an auto-dialer, and also skip traces consumers online, to create profiles on them for marketing purposes. There have been many, many complaints against them for doing this, and also, when consumers get duped into signing up for their service, they have their money stolen with no actual services rendered. The company 's information is as follows : www.debteaze.com XXXX XXXX XXXX XXXX # XXXX XXXX MO XXXX.
Consumer complaint received 2024-08-01
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: Experian Information Solutions Inc. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account name : XXXX XXXX XXXX  Account number : XXXX. Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account is in violation and not reporting 100 % accurate. It lists the XXXX XXXXXXXX XXXX  as the furnisher, that's forgery and misleading when the courts don't report this type of account.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear CFPB, I am writing to formally file a complaint against Bank of America regarding their handling of a wire fraud incident and the unjustified freezing of my business account. 
Account Information : Business Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Holder : XXXX XXXX XXXX XXXX and Issues : XXXX. Wire Fraud Incident : On XX/XX/2024, I mistakenly wired {$100000.00} to Counsel Sure at XXXX XXXX  in Florida due to receiving incorrect wire instructions from a fraudulent email impersonating the intended recipients bank. Despite my persistent efforts to rectify this issue, Bank of America has failed to provide a formal response or take satisfactory action. I have attached a copy of the wire transfer for your reference. 
XXXX. Request for Action : On XX/XX/2024, I submitted a formal written request for a certified copy of the wire transfer confirmation and demanded actions to recall the funds to XXXX XXXX XXXX, Branch Manager at the XXXX, CA branch. Despite my XXXX banking relationship with Bank of America XXXX XXXX XXXX indicated that the matter was beyond his control and no further assistance could be provided. I have included a copy of this letter with XXXX XXXX 's signature acknowledgment, dated and with contact information. 
XXXX. Affidavit of Facts : To further affirm the unresolved issue and the negligence on the part of Bank of America, I have attached a notarized Personal Affidavit of Facts, signed on XX/XX/2024. 
XXXX. Unjustified Freezing of Account : On XX/XX/2024, Bank of America froze my business checking account without providing any explanation or justification. Despite contacting the Bank of America Fraud Department on XX/XX/2024, XXXX, a Customer Service Representative, informed me that they would not discuss the reasons for the account freeze or provide an estimated resolution time. This has effectively left my funds inaccessible and my business operations severely impacted.
Consumer complaint received 2024-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (LA)

OnXX/XX/2024 a collection agency named ASHERCOLLECTIONSERVICES was posted to my credit report and demanded an amount of {$1100.00} to be paid directly to them immediately. 
HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | PRESUME THAT PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (VA)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-11-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

VALIDATION AND CEASE AND DESIST Procollect inc XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Procollect inc. 
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter