davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (SC)

Jefferson Capital System [ XXXX XXXX XXXX ] [ XXXX XXXXXXXX XXXX XXXXXXXX ] Subject : Unauthorized Access and Collection Account on My Consumer Report Dear Jefferson Capital System, I am writing to bring to your attention a matter of serious concern regarding the access and reporting of my consumer information by your agency. It has come to my knowledge that Jefferson Capital System has gained access to my consumer report without obtaining my written permission, which contravenes the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under Section 604. Furthermore, a collection account has been added to my consumer file without my authorization, violating my rights as per Section 623 of the FCRA, which stipulates the responsibilities of furnishers of information to consumer reporting agencies. This unauthorized access and addition of a collection account constitute a major breach of my privacy and raise serious concerns about potential identity fraud, as outlined in Section 621 ( a ) ( 2 ) of the FCRA, which emphasizes the importance of protecting consumer privacy. In addition to federal law, I want to highlight relevant sections of South Carolina state law. Pursuant to South Carolina Code of Laws Section 37-5-108, it is unlawful to engage in unfair or deceptive acts or practices in the collection of debts, including any conduct that may jeopardize the privacy or welfare of a consumer. Furthermore, under South Carolina Code of Laws Section 37-5-104, creditors and debt collectors are required to provide accurate and complete information to consumer reporting agencies, ensuring the integrity of consumer credit reports. I would like to emphasize that, even in the case of a permissible purpose, consumer consent is a necessity, as per Section 604 ( a ) ( 3 ) ( F ) ( i ) ( I ) of the FCRA, which I have not provided in this instance. I firmly assert that this collection account is unverifiable due to the lack of my written consent for its presence on my credit report. I request that, within 30 days of receiving this letter, Jefferson Capital System promptly removes this collection account from my consumer file and expunges all of my personal data from your database, as mandated by Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Additionally, I expect Jefferson Capital System to communicate appropriately with the credit bureaus to ensure the deletion of this item from my credit report, as per Section 611 ( a ) ( 2 ) of the FCRA. Following the resolution of this matter, I request that all third-party communication and furnishing of my information cease immediately, by Section 604 ( a ) ( 3 ) ( F ) ( i ) ( II ) of the FCRA. Failure to comply with these requests within the stipulated 30-day timeframe will be considered willful noncompliance and may result in civil accountability for Jefferson Capital System , as provided under Section 616 of the FCRA.

Done in good faith.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 : XXXXXXXX XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a 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 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I am in desperate need for help with two credit bureaus that deliberately add information that was disputed and removed, back on my credit. This is a vicious cycle that has to cease. They are hurting my credit continually, approx every 2-3 months and this has been going on for 5 years or more. I have fought with them, they remove the information, but very sneakingly they deliberately add old removed false disputed information back on my credit report. I have called and I have talked to numerous individuals with Transunion and XXXX. They will remove the information if I call and spend about an hour and half just trying to reach someone. I have wrote letters explaining in detail what is happening, I have never received any explanation or reason why this keeps happening, I have been in tears because my credit has been destroyed due to the fact I am a victim of fraud and it is very clear and known that my identity has been stolen and I have had to dispute so many fraudulent accounts and Ive provided proof of identity theft with a letter from the irs stating someone was trying to file taxes under my personal information using my social, my home address, my phone number even, it has been a nightmare. I dont know if I will ever recover from the amount of damage that these criminals have caused me by stealing my personal information amd opening up fraudulent accounts using my social and other personal information. I am needing help making sure that the credit bureaus stop deliberately putting false information that was disputed and removed, back on my credit report. I dont understand this and its so frustrating because I have spent countless hours having to contact these bureaus every couple months to dispute and tell them to remove certain information that was removed already. I dont have time or much patience anymore to deal with this. This is my life, they are hurting my credit continually by adding this false information back To my credit report. It was removed and disputed to start with due to it being a fraudulent account. I need them to remove my disputed information and stop putting it back on.
Consumer complaint received 2023-11-09
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solar Mosaic LLC (ID)

I have made several complaints and provided proof that the Solar Mosaic debt is not mine and the account is now closed. All XXXX companies,, XXXX, XXXX and XXXX keep certifying that the information on my account is correct when its not. The CFPD does nothing about this even with the documentation saying its not mine.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I was hospitalized due to XXXX on XX/XX/2022, and my health insurance expired while I was in the hospital. I was charged and billed {$4.00}, dollars, by the insurance company and my employer did not offer me XXXX or send me an election notice, I was not informed about XXXX and did not know how to apply for it. this medical bill was placed on my credit reports with XXXX XXXX, EQUIFAX, and XXXX, I challenged it, but the credit bureaus did not remove it, according to Federal Law employers have to provide employees with XXXX notice and election procedures, and I was not presented with notice, and this would make the bill placed on my credit reports wrong and the balances wrong. I would like this bill removed immediately causing me financial hardship. The account is listed below. 

XXXX XXXX XXXX ( original creditorXX/XX/XXXX) ACCOUNT : XXXX Sincerely Yours, XXXX XXXX
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I was XXXX due to XXXX on XX/XX/2022, and my health insurance expired while I was in the hospital. I was charged and billed {$4.00}, dollars, by the insurance company and my employer did not offer me XXXX or send me an election notice, I was not informed about XXXX and did not know how to apply for it. this medical bill was placed on my credit reports with TRANS UNION, XXXX, and XXXX, I challenged it, but the credit bureaus did not remove it, according to Federal Law employers have to provide employees with XXXX notice and election procedures, and I was not presented with notice, and this would make the bill placed on my credit reports wrong and the balances wrong. I would like this bill removed immediately causing me financial hardship. The account is listed below. 

XXXX XXXX XXXX ( original creditor XXXX XXXX ) ACCOUNT : XXXX Sincerely Yours, XXXX XXXX
Consumer complaint received 2023-11-09
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. (NY)

In accordance with the fair credit reporting act this creditor has viol

ated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) it states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose. I WANT ALL THE BELOW ACCOUNTS TO HAVE ALL LATE PAYMENTS REMOVED ASAP. This is illegal and a violation of credit reporting act. I will be suing the credit reporting bureaus for falsely reporting and causing me to be homeless for over a year.
All inquires not tied to an open account need to be removed asap. 

Late payments needed to be removed ASAP : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX, I clicked on a link on the Amazon website to apply for a Synchrony Bank store card. The page that opened said that I could click on a button to see if I qualify for pre-approval for the card, and it will not impact my credit score. I clicked on the button and entered the information requested. Then I got a message that I was not pre-approved, and it again said that it would not impact my credit score. 

On XX/XX/XXXX, I received an email from Synchrony Bank that included a letter. The letter was a full credit review that denied my application for the card, and listed my credit score as XXXX. That is significantly lower than the credit score that I received when I applied for a credit card with XXXX XXXX XXXX XXXX  only a month earlier. XXXX denied my credit card application, in a letter dated XX/XX/XXXX, but listed my credit score as XXXX. They used XXXX in their evaluation. 

I did not apply for a card with Synchrony, only clicked on a button for pre-approval, and I was assured, both before and after clicking on the button, that it would not impact my credit score at all. That was dishonest. Synchrony Bank used a credit company called XXXX XXXX XXXX. 

I called Synchrony Bank on XX/XX/XXXX, the same day that I received the emailed letter from them. I said that the process was unacceptable, and I had not agreed to a full credit review and they had lowered my score unreasonably. The staff person was totally unhelpful, saying that I had agreed to it while at the same time agreeing with me that I had not. Then I said that I wanted the decision reversed, and I got a different response from her. She checked with someone and said that they would do an investigation and look at the website. If my concern is valid, they will remove the credit score and reverse the decision. She said they would send me a letter within 30 days. 

I have not received a letter from them yet. It has not yet been 30 days, but I want to alert CFPB and consumers because this process is a sham and should be stopped. It is stressful and unpleasant, and other people should not have to go through it. CFPB should stop Synchrony Bank and Amazon from false and misleading advertising and doing full credit reviews, what they call a " hard inquiry '' without peoples ' permission.
Consumer complaint received 2023-11-09
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

Opened a new checking account online. Made the deposit needed to and received account number and routing number for the new checking account. Made cash deposits thru one of my local branches. Went back in to get my debit card. The gentleman started to do the debit card, I even selected my pin. As he was looking at my account I see 2 large transactions that I didn't do. They said DEBIT on XX/XX/24. 2 transactions. He tried calling his back office to find out what they are. He gave me a phone number to call and have explained to me. The phone number was for someone with an existing account. At that moment I don't have an account. I had a balance of appropriate {$4500.00}. He told me to call the number and wait for a letter to come in the mail. I received the letter days later, saying that they couldn't open the account for me. They will be refunding all money that has been put in the account that does not exists. Ok, fine so again its a waiting game. I waited over a week before receiving part of my deposited money in a certified check. I should be receiving 2 checks that totaled my deposit amount. Waited weeks for the second check to come. {$360.00}. I was able to call today and speak to someone finally, and he told me that I won't be receiving the second check, it went towards my overdraft fees. Overdraft fees for what account? I don't have an account with Citizens Bank. This bank stole {$360.00} for no reason other then trying to have a checking account with them. I want every penny that was deposited in the account refunded back.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

This company is damaging my credit in an abusive way, I have called those people to tell them to show me that it is mine and they have no way to prove it, I have never used their services or anything like that, I ask for help to remove this from my credit report please, this is a cause of fraud and identity theft
Consumer complaint received 2023-11-09
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-11-09
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: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-09
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: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I think this website is unfair to consumer that are victims of identity theft. I have a police report and know the person that stole my identity and still no one is listening. 
I have provided an affidavit, FTC report, and numerous other things to prove this is not my account. Even with a police report i just keep getting generic responses from the debt collector. Please someone help. I will not stop until this is removed. They are illegally reporting this item to my credit.
Consumer complaint received 2023-11-09
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)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Many times I've mentioned being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-09
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. (MD)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-09
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: EQUIFAX, INC. (IN)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX, IN XXXX XXXX  XXXX XXXX Balance Owed : {$650.00} XXXX XXXX Balance Owed : {$290.00} XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX Balance Owed : {$9300.00} XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX.