davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-21
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. (GA)

I settled a charge off with XXXX, they have failed to update the account as settled, they continue to show the debt on my report. I have requested and have disputed the account with them and they fail to correct it.
Consumer complaint received 2023-04-22
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 Report Act 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 an account without my written instructions. 
This account is a fraudulent account, I did not open any account with this company.
Consumer complaint received 2023-04-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RentDebt Automated Collections, LLC (MO)

Rent DEBT Automated Collections is stating I owe {$3800.00} This is inaccurate information listed on my credit bureaus. 

I am requesting this account be removed from my credit report. 


Account name RENTDEBT AUTOMATED COL Account number XXXX Original creditor XXXX XXXX Company sold - Account type Collection Date opened XX/XX/XXXXXXXX  Status Collection account. {$3800.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2023-04-23
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. (CT)

My information was breached and hackers have tried to open bank accounts under name, tried to get car and personal loan. This issue has been reported to the local police of XXXX, CT and to the XXXX website. My information was hacked in the following breaches : XXXX breach in XXXX XXXX in XXXX XXXX in XXXX XXXX XXXX
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: John C. Heath, Attorney at Law, PLLC (KY)

XXXX XXXX. It was a few years back. But I don't recall the dates. I know there was an upfront fee then recurring fees. I think it was around XXXX.
Consumer complaint received 2023-04-23
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 Report Act 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. 
This account is a fraudulent account, same account number reported twice on my credit bureau with different amount.
Consumer complaint received 2023-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Report Act XXXX, Account: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.

This account is a fraudulent account, I don't recognize this account and never applied for credit with this company.
Consumer complaint received 2023-04-22
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 Report Act XXXX, Account:XXXX, Creditor : 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.

This account is fraudulent account, I did not open any account with this company.
Consumer complaint received 2023-04-21
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: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$3600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There is information that's on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions 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 in error, nor is my request to blocking made on the basis of a material misrepresentation of factory me relevant to the request to block the identified transaction. The identified transactions are not information related to any transactions by me as consumer. 


SEE ATTACHMENT
Consumer complaint received 2023-04-20
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. (FL)

I am XXXX XXXX and I am submitting this complaint and there is no third party involved. These accounts are inaccurately and erroneous reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureaus but they failed to give me any results or feedback about this concern, and I requested a complete payment history of these accounts for me to review the exact date on which the collection was posted. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in the violation of FCRA. REMOVE THEM FROM MY REPORT IMMEDIATELY. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2023-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, Creditor : XXXX  XXXX XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A, States I have the right to privacy.

This Creditor is reporting incorrect information on my credit reports.
Consumer complaint received 2023-04-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (DE)

On XX/XX/2023, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-10-06
Product: Credit reporting 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. (TX)

Letters have been sent to all three bureaus with no corrective action of illegal remarks removed from credit report. 
All three bureaus submitted corrective action under FCA and USC15 codes. 

Since bureaus was notified I have been locked out online portals to submit further action against such bureaus. Any additional contact via phone line to customer support has not assisted with access to account no deletion of accounts found on report - specially XXXX. 
XXXX XXXX XXXX XXXX XXXX and Birthcertificate found on dark web. Also may have highly been impacted by late data breach : XX/XX/2024.
Consumer complaint received 2023-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NE)

I contacted Fay Servicing concerning the Affidavit Signature in a QWR on XXXX XXXX which they received on XX/XX/2023. Requesting " Full double sided certified true and accurate copy of the original promissory note. They have yet to acknowledge that they received my QWR. 
The Signature Affidavit states that This signatures must exactly match the signatures on the Note and Mortgage/Deed of Trust/Security Instrument. Please find enclosed a copy of that Affidavit along with the signature in question. This requires that the promissory note in your possession be certified. 
These documents were signed on the same day in the presence of the same Notary ( XXXX XXXX ) on ( XXXX XXXX ). 
You should be advised that within FIVE ( 5 ) DAYS you must send us a letter stating that you received this letter. After that time, you have THIRTY ( 30 ) DAYS to fully respond as per the time frame mandated by Congress, in Subtitle E Mortgage Servicing of the Dodd-Frank Wall Street Reform and Consumer Protection Act and pursuant to 12 U.S.C. Section 2605 ( e ) ( 1 ) ( A ) and Reg. X Section 3500.21 ( e ) ( 1 ).
Consumer complaint received 2023-04-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: COLUMBIA BANKING SYSTEM, INC. (CA)

Hello -- I awoke yesterday with a near-XXXX balance in my Umpqua Bank account , after I'd just received a generous loan from a friend to help keep me afloat after numerous devastating hardships, including, but not limited to : -- being defrauded by my best friend and tax accountant for my entire life savings, -- the Pandemic hitting just as I was starting to re-build, -- losing supportive parents & grandparents plus -- fires and extreme weather devastating my rebuilding efforts. 

This complaint is not about the {$470.00} funds removed ( in error by another entity ) from my account, but for the -- Umpqua 's lack of notice and the -- EXORBITANT FEE of {$120.00}!! ( 26.3 %!!! ) charged against my account by Umpqua Bank for the dis-privilege of giving my extremely hard-earned {$470.00} to an external entity. 

I was told by the external entity who received my {$470.00} ( without prior notice, sadly -- another miscarriage of justice ) that " most banks do not charge fees '' to send them funds, and that I had to get the fees charged by Umpqua reversed by Umpqua. 

Spent over an hour on the phone at XXXX with XXXX, a lovely guy who I believe genuinely wanted to help, and his supervisor, XXXX, who both put me on hold 3x total to talk to XXXX and 2 others in the " Operations Legal '' department. 

I was told the {$120.00} fee was indeed an Umpqua fee, an Umpqua policy was non-negotiable, and one of the fees that they had zero power to change. 

So I've devastatingly donated {$120.00} plus many extraordinarily-more-valuable hours to Umpqua profits for the privilege of inadvertently paying another entity {$470.00} I do not owe. 

This has occurred at a time when I have XXXX income due to extreme hardships ( many of which others are experiencing at a more critical level than I. ) Clearly, we are suffering immeasurably from an extreme lack of oversight of our financial institutions and their general abuse of customers across-the-board. 

In a quest for profits and shareholder enrichment, we have created sociopathic systems. 

Fortunately, we are starting to recognize this societal destruction, and have the power to change it, something I'm passionately committed to, hence my wasting hours of valuable time to make entities aware of their abusive practices.
Consumer complaint received 2023-04-20
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 provides important protections for consumers ' privacy rights.

604 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681b ( a ) ( 2 ), states that a consumer reporting agency may not furnish information about a consumer 's creditworthiness, credit standing, credit capacity, or other personal information to any third party unless the consumer has given prior written consent for such disclosure.

Section 1666b of Title 15 of the United States Code prohibits creditors from treating a payment as late for any reason under an open-end consumer credit plan. 
My rights to privacy and consent have been violated.
Consumer complaint received 2023-04-22
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: EQUIFAX, INC. (FL)

Dear Equifax : While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XXXX XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2023-04-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (PA)

Hello, National Credit System has not responded to my certified letter that was sent on XX/XX/XXXX. They continue to change the debt amount on my credit reports but have not replied back to my certified letter providing proof of the debt owed. 

XXXX. XX/XX/XXXX - National Credit System was added to XXXX, XXXX, and XXXX for the amount {$4800.00} XXXX. XX/XX/XXXX - National Credit System updated XXXX, XXXX, and XXXX for the amount {$4800.00} ( Increased by {$1.00} ) XXXX. XX/XX/XXXX - National Credit System updated XXXX, XXXX, and XXXX for the amount {$4800.00} ( Decreased by {$1.00} ) XXXX Credit bureau XXXX to report that National XXXX XXXX XXXX added to XXXX XXXX XXXX XXXX and XXXX for the amount {$4800.00} sometime between XXXX ( Increased by {$1.00} ) XXXX. XX/XX/XXXX - National Credit System updated XXXX, XXXX, and XXXX for the amount {$4800.00} ( Decreased by {$1.00} ) XXXX. XX/XX/XXXX - XXXXational Credit System updated XXXX, XXXX, and XXXX for the amount {$4800.00} ( Increased by {$1.00} ) XXXX. XX/XX/XXXX - National Credit System updated XXXX, XXXX, and XXXX for the amount {$4800.00} ( Decreased by {$1.00} ) XXXX. XX/XX/XXXX - National Credit System was added to XXXX, XXXX, and XXXX for the amount {$4800.00} ( increased by {$1.00} ) XXXX. XX/XX/XXXX - National Credit System was added to XXXX, XXXX, and XXXX for the amount {$4800.00} ( Decreased by {$1.00} )
Consumer complaint received 2024-08-17
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)

XXXX. XXXX XXXX XXXX - Account # : XXXX XXXX. XXXX XXXX XXXX - Account # : XXXXXXXX XXXX XXXX XXXX  - Account # : XXXX XXXX XXXX XXXX - Account # : XXXX XXXXXXXX XXXX XXXX  - Account # : XXXX XXXXXXXX XXXX XXXX  XXXX - Account # : XXXX I am requesting the immediate removal of several fraudulent accounts from my credit report under Section 605B of the FCRA, due to identity theft. These accounts are severely impacting my ability to access essential credit. I have provided the necessary documentation to support this claim and urge you to correct my credit file as quickly as possible. Your swift attention to this matter is greatly appreciated.
Consumer complaint received 2023-04-23
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. (FL)

Hi, I am a victim of the XXXX breach and starting since XXXX and XX/XX/XXXX, I kept having " hacker ( s ), breacher ( s ) '' buying things using my XXXX and XXXX account. I have canceled my banks debit card well over 10 times in 3 months there were times were the hackers were making purchases so often I ended up having 2 debt cards at once. We fix that, they had also created a XXXX XXXX signature card under my name ( luckly I caught it within a week ) So XXXX and XXXX fix that and close the card. Hackers were able to buy some things since XXXX adds the card to your account digitally as you wait for the hard card in your mail. I keept the card as a mento to be safe online while. I thought it was over. I ran some virus cleaners, ransom ware etc. 

But In XX/XX/XXXX my bank account was charged by XXXX i asked them why they stated i took out a XXXX loan which is now XXXX. I wrote to the the XXXX breach admin and still waiting a reply and instantly cleaned out all my hard drives and re-installed windows. XXXX XXXX didn't do its job or the hackers had remote desktop setup on my pc. Not anymore. 

As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item XXXX be removed Frozen until they acquire the correct information/people to they gave a loan to. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. My credit score has gone down XXXX XXXX in 2 months. I've ask XXXX to let me view the loan/credit application I supposedly sent them,,, they never have gaved it to me. 

I XXXX XXXX XXXX XXXX XXXX XXXX, was XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a lot more complications. I have not worked in 2 years and still can't so I would not qualified for their loan, i wouldn't have had any paystubs, checks, deposits or job to write in the application to XXXX Yet XXXX won't remove the false information from my report.
Consumer complaint received 2023-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have been receiving bills from a card that I closed in 2020. When I call the company they tell me the account is closed and I should through the bill out. Every month I get a new bill with a late fee and interest. the bill keeps going up each month. Ive tried calling and writing letters and I can not get the problem solved they ignore my letters and keep sending new invoices.