davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-29
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. (WI)

Account name : XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WA)

There is a XXXX XXXX XXXX XXXX XXXX loan listed on my equifax credit report that i have know of.According to 15 usc 1692 g validation of debt has yet to be verified for the closed account open for collections.I do not recognize how this account is reporting on my credit report.I dont recognize the account number, I dont recognize the status, I dont recognize the account high balance nor do i recognize the late payments associated with it .everything reported here does not meet the FCRA XXXXFCRA 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) XXXX XXXX ;, Beneficiary
Consumer complaint received 2023-07-01
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED COMMUNITY BANK (GA)

United community Bank shows up on my check systems with my name but has my ex-wife address and driver 's license number on it. Also United community Bank debited my account and made me in solvent when I had a positive balance. Now my online banking login is locked out.
Consumer complaint received 2023-07-01
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. (TN)

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, TN XXXX, XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2021, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX, TN XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX
Consumer complaint received 2019-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (VA)

Applied for the Chase Sapphire credit card, did not receive the card for a while report never recieved card. Once received the card call the number to confirm received and activated the credit card. However, Chase did not consider that being the promotion start date. As soon as you applied regardless the customer received the card or not is considered the promotion start date. Without notice filed that you are not qualified for the promotion. Misleading promotion, falsify make customer apply the credit card and then charge you annual fees.
Consumer complaint received 2023-06-29
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: Upgrade, Inc. (TX)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-07-01
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)

This is my eight endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX Balance : {$880.00}, XXXX XXXX Balance : {$880.00}, XXXX XX/XX/2023
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

My father who is in his XXXX wanted to close several smaller accounts at various banks and consolidate them at what was his XXXX XXXX account. I do have power of attorney on the account at XXXX XXXX We had him endorse a final check from XXXX XXXX in the amount {$34000.00} and endorsed it on the back as payable to XXXX XXXX and listed the account number. We did the same with a similar final check from XXXX XXXXXXXX XXXX. We put it in a US Post Office Box and addressed it to XXXX XXXX with a deposit slip for both checks. Neither check arrived at XXXX XXXX. Both XXXX and XXXX XXXX were contacted and provided tracing numbers. The police were contacted who advised filing a report with the US Postal Office which was submitted. The checks were eventually retrieved showing that an unknown party had signed underneath the account number and wrongfully submitted the forged check as their own. XXXX XXXX promptly refunded the money to my father. XXXX advised that they were contacting Wells Fargo where the funds were deposited. After nearly a year they explained that Wells Fargo was wrongfully denying liability because the check had originally been signed above and endorsed to XXXX XXXX. Wells Fargo was refusing to communicate or answer any queries whatsoever regarding the matter further. I am an XXXX in California. I have contacted an attorney who specializes in such banking cases. He agrees that Wells Fargo is deliberately delaying in hopes that their wrongful behavior will not be pursued. The matter deserves to be publicized and punitive fines are in order for this despicable conduct. We are exploring a class action lawsuit attempting to locate other consumers who have been treated similarly by this established pattern of behavior.
Consumer complaint received 2023-06-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (NC)

Date Reported : XX/XX/2023 Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX Original Amount Owed {$75.00} Amount {$75.00} Contact XXXX XXXX XXXX XXXXXXXX XXXX XXXX MA XXXX XXXX I never signed a contract with neither of these companies. I never gave consent for these companies to use my private information. I never received a notice or method to opt-out or prevent the disclosure of my private information to third parties pursuant 15 U.S. Code 6803 Company refuses to obey consumer protection laws, which is negatively harming my nonpublic personal information.
Consumer complaint received 2023-07-01
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: MicroBilt / PRBC (formerly CL Verify) (GA)

In accordance with the Fair Credit Reporting Act, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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.

Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Consumer complaint received 2023-06-29
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. ()

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. 
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 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 2023-06-29
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: Duvera Billing Services, LLC (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-06-29
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. (FL)

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. 

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 an 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 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (CA)

On XX/XX/2023 I attempted to purchase clothes from a merchant on XXXX. It turned out to be a scam. Not the merchant being represented on XXXX  page. On the same date : I immediately attempted to cancel order, I then called Elan Financial Services to block purchase and cancel credit card. I was told a provisional credit was issued. Elan sent inquiry form, which I filled out and returned. I then received a letter dated XX/XX/2023 stating that my dispute was denied because I had not contacted the merchant. On XX/XX/2023, I called and spoke to a supervisor, who said the account specialist would call witihin 24 hours. No call was received. I sent a letter detailing what I had did and stating that no goods were received ( per e-mail from merchant, goods were delivered to XXXX on XX/XX/2023. ) I again requested to hear from the account representative, and asking for support for Elan 's decision. I followed up with phone calls on XX/XX/XXXX and XX/XX/XXXX, again asking to speak to dispute representative. Both times receiving promises of a follow-up phone call. On XX/XX/XXXX, I received a second letter from Elan stating the dispute was closed out and the charge would stay on my bill. I sent a second letter, more detailed, and demanding a response to my attempts to resolve this. No response.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2023-06-29
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. (FL)

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. 

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 an 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 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-06-29
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. (MI)

I received my consumers report and noticed that I had a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX, account # XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments to be updated to on-time as they should be, as I were NEVER late. Thank you.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IN)

The law states that inquired made for a car or home loan within a certain amt of dares only count as 1 inquiry. I applied for a car loan at XXXX XXXX XXXX XXXX XXXXXXXX of XXXX. They then sent it out to over 15 loan companies. All should have been counted as 1. Same with a home loan applications I applied for in XXXX of XXXX. They say I have 28 inquired and I was recently denied loa n my and this was part of the reason. They dldo fail to report medical bills as medical. There is a collection acct assigned to credit services for XXXX XXXX. And it is no ok to marked nedical. I gave fou go t with takl 3 cc agencies since XXXX and am tired of refusals to issue credit because of there games and breaches. I am requesting your assistance to look into my credit reports and make them follow the law as I am tired of reminding them what the law is.
Consumer complaint received 2023-07-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NJ)

I am writing to dispute the accuracy of the information on my credit report, specifically regarding a collection account that is listed under my name. According to my credit report, I owe LVNV FUNDING LLC the amount of {$710.00}. However, I possess a letter from XXXX XXXX dated XX/XX/XXXX, which clearly indicates that the debt in question is owned by Resurgent Acquisitions, LLC. This discrepancy raises serious concerns regarding the validity and accuracy of the collection account. 

Under the Fair Credit Reporting Act ( FCRA ), as amended by the Fair and Accurate Credit Transactions Act ( FACTA ) in 2003, it is my right as a consumer to have accurate and verifiable information reported on my credit file. Section 611 of the FCRA, codified at 15 U.S.C. 1681i, establishes the procedures for disputing inaccurate or incomplete information. 

I kindly request that you conduct a thorough investigation into the reported collection account and take the following actions : Validation of the Account : Pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I request that LVNV FUNDING LLC provide me with written validation of this debt, including details of the original creditor, the nature and amount of the alleged debt, and any relevant documentation supporting their claim. This validation must be provided to me within 30 days of your receipt of this letter, as mandated by the FDCPA. 

Compliance with Reporting Standards : If LVNV FUNDING LLC fails to provide the requested validation within the specified timeframe, I request that you remove the collection account from my credit report entirely. Under the FCRA, it is imperative that credit bureaus only report accurate and verifiable information. Given the conflicting information between my credit report and the letter from XXXX XXXX, I believe it is necessary to remove this collection entry until its validity can be properly established. 

Proof of Ownership : As indicated by the letter from XXXX XXXXXXXX, the debt in question is allegedly owned by Resurgent Acquisitions, LLC. I request that you contact LVNV FUNDING LLC and Resurgent Acquisitions, LLC to verify the ownership of this debt. If LVNV FUNDING LLC is unable to substantiate their ownership claim or if Resurgent Acquisitions, LLC claims ownership, the collection account should be removed from my credit report in accordance with the FCRA.