davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eagle Accounts Group, Inc. (GA)

THE GEORGIA DEPT OF HUMAN SERVICES HAS ILLEGALLY ACCESSED MY TRUST ACCOUNT AND MY CREDIT THROUGH ILLEGAL FRAUD. THEY NEED TO CLOSE THEIR ACCOUNT AND REFUND MY MONEY.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (NY)

These inquiries on my accounts are not accurate I am writing to formally dispute several inquiries on my credit report that I believe to be fraudulent. After reviewing my credit report, I have identified unauthorized inquiries that I did not initiate or authorize. 


I have not applied for credit or engaged in any financial transactions with the aforementioned companies on the specified dates. It appears that my personal information may have been compromised, leading to these unauthorized inquiries. 

I request a thorough investigation into these matters and kindly ask that you promptly remove these fraudulent inquiries from my credit report. As per the Fair Credit Reporting Act, I am entitled to accurate and fair reporting of my credit history. 

Enclosed with this letter, please find copies of supporting documents, including any relevant correspondence and evidence that substantiates my claim of fraud. I also request that you provide me with a written statement once the investigation is complete, outlining the actions taken and the resolution of this dispute. 

Thank you for your immediate attention to this matter. I trust that you will handle this dispute efficiently and take the necessary steps to rectify the inaccuracies on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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.


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 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  CHILD SUPPORT Account # XXXX Update to Open/Never late XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.

15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Consumer complaint received 2017-11-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management (TX)

The aforementioned credit collection agency representing XXXX XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX  does not have any documentation, they need to retract this from my credit file immediately.
Consumer complaint received 2024-01-31
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Army and Air Force Exchange Service (VA)

I Joined XXXX XXXX Military XX/XX/2003 and am still currently XXXX XXXX Military I am a Louisiana Resident and maintain residency there while serving XXXX XXXX. I believe my Account number is XXXX. I have been charged over the amount of interest that is allowed by the Louisiana XXXX. I would like that money paid over the interest limit refunded to me and my interest rate lowered to the Louisiana XXXX limit. XXXX XXXX XXXX XXXXXXXX. I will submit my Leave and Earning Statement for verification that I am paying Louisiana State Taxes as well as my Military Orders for service verification if you need any other documents please reach out.
Consumer complaint received 2024-01-20
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. (TX)

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.

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 2024-11-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (NV)

I work making deliveries for apps and I received my weekly payment as usual on XXXX. Since I received a great tip last week, I made plans for the money, to travel for XXXX, but since XXXX  the XXXX the bank has not released my money, claiming that the deposit needs to be confirmed. However, it has been 2 days in the app. The money is fully available, but the bank insists on not releasing the money. Today is the XXXX, the day before a holiday, and I have not been able to access my money. Another point is that I receive payments from other locations and these amounts are also being withheld by Citi Bank even though they have no relation to the other weekly deposit.
Consumer complaint received 2019-04-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (OH)

I requested my HSA funds from XXXX XXXX be transferred by check to my new PNC HSA account. However, XXXX sent the check to the wrong bank, XXXX XXXX. XXXX XXXX cashed a check that was not written to them as it was written to PNC BANK FBO XXXX XXXX. A copy of the check provided to me by XXXX will be attached showing endorsement by XXXX XXXX. I have tried for over month calling all three banks with no resolution as it is difficult to communicate with XXXX and PNC refusing to do what the other two banks recommended. Essentially, XXXX XXXX has my XXXX account funds which they won't release back to XXXX until fraud forms are filed by XXXX and filled out by PNC. PNC is refusing to file the fraud form. XXXX are telling me I can't fill the forms out since the check was technically written to PNC and not me directly even though my name is also on the check as the FBO. PNC is telling me the funds are mine not theirs and refusing to file the form.Thus, I'm left without access to XXXX of my money that XXXX sent to the wrong bank that fraudulently cashed said funds. No bank seems to be communicating with each other and nothing is getting done to return my funds by anyone at this time. Also attached is the fraud form PNC is currently refusing to fill out.
Consumer complaint received 2024-09-17
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. (NY)

[ XXXX XXXX [ XXXX XXXX XXXX XXXX [ XXXX, Ny, XXXX XXXX ] [ Transunion ] [ XXXX XXXX XXXX [ PA, XXXX, XXXX Re : Inaccurate Hard Inquiry on My Credit Report I am writing to dispute an inaccurate hard inquiry on my credit report. I have reviewed my credit report and found an unauthorized inquiry from Transunion dated XX/XX/scrub>XXXX I did not authorize this inquiry, and it should be removed from my report. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681n ), you are required to ensure the accuracy of the information you report. Inaccurate reporting can result in civil liability for willful noncompliance. I request that you investigate this matter and remove the inaccurate inquiry from my credit report.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (OK)

The deletion or blocking of accounts resulting from a data breach and unauthorized inquiries is governed by FCRA Section 605B, specifically addressing the blockage of information arising from fraud or data breaches [ 15 U.S.C. 1681c-2 ]. Additionally, FCRA Section 604 outlines the permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. 
I am writing to formally dispute the presence of accounts on my consumer credit report, as referenced below, which stem from data breaches or fraudulent activities. I request tangible, verifiable evidence that bears my signature or electronic signature. I emphasize that this correspondence represents my interests, and I kindly request your thorough review. These actions were undertaken without my authorization, thus infringing upon my consumer rights as defined by the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ]. 
It has come to my attention that these companies initiated these actions without proper validation or original documentation from any of the reporting entities. 
Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc. (TX)

This account at Conn 's for my mom, was researched by a Conn 's credit manager, XXXX on XX/XX/2017. She verified that one sister purchased a computer and combined the purchase onto my mom 's account. This was done without my mom 's knowledge or authorization. At that time while my mom spoke with XXXX and asked how could she have them stop calling her for an unauthorized charge to her account. XXXX explained that if my mom provided a fax with her name, address and phone as well as the name and phone of the person who charged on her account. They would then stop calling and then pursue the correct person. 

For some time they stopped calling my mom. My mom passed away XX/XX/2018 a month before her XXXX birthday. Two months later my XXXX sister began receiving phone calls and I began receiving letters about paying this account. I asked to speak to the manager and explained what transpired in XX/XX/2017 with my mom and XXXX to no avail. The letters increased as well as the calls to my XXXX sister. Both of us are XXXX and grieving the loss of our mother and XXXX other close relatives the past 5 months.
Consumer complaint received 2024-02-01
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (DC)

I made my mortgage payment on XX/XX/XXXX but the mortgage company says that due to company policy, they will report it as being made on XX/XX/XXXX. I told them that this would lead to me being reported as over a month late and that is incorrect. They said that their company policy has the day ending at XXXX XXXX  and not XXXX midnight. I told them that is fraud to say XX/XX/XXXX is XX/XX/XXXX. I escalated the call and they keep repeating that payments made on XX/XX/XXXX can be considered made on XX/XX/XXXX. I want my payment to be accurately reported and I do not want to have my credit score negatively affected because of Freedom Mortgage 's fraud. I have been trying to rectify this situation all day.
Consumer complaint received 2019-04-08
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. (NC)

TODAYS DATE : XX/XX/XXXX DEAR DISPUTE DEPARTMEN, This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formalescalation in the appropriate courts of law should the need arise. 

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX DDUpon closer look, this was due to inaccurate information on credit report ; mine. My XXXX  id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (NY)

it is illegal to report transaction history per 16 cfr part 313 a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in XXXX, XXXX, and XXXX. 

( b ) Scope. This part applies only to nonpublic personal information about individuals who obtain financial products or services primarily for personal, family or household purposes from the institutions listed below. This part does not apply to information about companies or about individuals who obtain financial products or services for business, commercial, or agricultural purposes. This part applies to those financial institutions over which the Federal Trade Commission ( Commission ) has rulemaking authority pursuant to section 504 ( a ) ( 1 ) ( C ) of the Gramm-Leach-Bliley Act. An entity is a financial institution if its business is engaging in an activity that is financial in nature or incidental to such financial activities as described in section 4 ( k ) of the Bank Holding Company Act of 1956, 12 U.S.C. 1843 ( k ), which incorporates activities enumerated by the Federal Reserve Board in 12 CFR 225.28 and 225.86. The financial institutions subject to the Commission 's rulemaking authority are any persons described in 12 U.S.C. 5519 that are predominantly engaged in the sale and servicing of motor vehicles, the leasing and servicing of motor vehicles, or both. They are referred to in this part as You. Excluded from the coverage of this part are motor vehicle dealers described in 12 U.S.C. 5519 ( b ) that directly extend to consumers retail credit or retail leases involving motor vehicles in which the contract governing such extension of retail credit or retail leases is not routinely assigned to an unaffiliated third party finance or leasing source.

& 15 usc 6805. They said they would not conduct in solicitation or language fraud in 17cfr424.
Consumer complaint received 2019-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

On XX/XX/XXXX at about XXXX XXXX someone from FAY or hired from Fay servicing First of all someone taped a letter to my door extremely early this morning ( it was still dark out ) My security cameras alerted me because the person was lurking in my windows and tried opening my front door. I did call the police as attempted break in. That is when I found this letter attached left on my door. So now that I know it was someone from Fay I suggest you know that there has been a police report filed and security camera footage given to police. I do not know what you think you are doing. The letter also states that you tried to contact numerous times and that is also false and the letter dated XX/XX/XXXX and put on my door XX/XX/XXXX and mortgage is not even more than 3 days late on XX/XX/XXXX. I have zero missed calls from Fay and I have only received bills from you. You should let us know what creeper you sent to my house and my hidden cameras caught them. So if Fay is going to stalk my home then you will have problems.They put letters on my door with lies. This stalking me, I keep records of everything and whatever courier or employee you used is a creep and I will press charges. I was petrified at a break in. My niece and nephew were in the home and this is dangerous. And even as of today on XX/XX/XXXX I am am 38 days late and will be making a payment within the week. I have also had nothing but issues since they took from XXXX. They were attacking me and not sending out information. They did not even record until XX/XX/XXXX and were harrassing me in XXXX and somehow are missing a payment from XXXX which has caused the late issue. Then this morning I sent them an email after this debacle at XXXX XXXX. Then at XXXX XXXX This XXXX XXXX emailed me saying she has not heard from me for awhile.Which is just a generic email and she obviously is just trying to look like she is doing her job while not even acknowledging the email I sent her 6 hours prior. All I receive from them are my bills and there is no need for any other correspondence. Also I have zero missed calls from them so they are not trying to contact me and as of last month XXXX XXXX was contact not the XXXX XXXX. 

Also their customer service email has never responded to emails from even 6 months ago.
Consumer complaint received 2024-01-23
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. (CT)

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 Name : XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX has violated my rights. Or 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.