davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

This complaint is in regards to the account related to XXXX XXXX XXXX This account is directly related to identity theft. The debt collector XXXX XXXX XXXX purchased a fraudulent account from XXXX XXXX an is now reporting this fraudulent debt to XXXX XXXX XXXX experian consumer report. The original creditor XXXX XXXX XXXX XXXX  is where the collection originally stemmed from. I already filed an ftc report, and CFPB report for the original account for XXXX XXXX which was proven fraudulent and deleted from XXXX XXXX XXXX XXXX XXXX report back in XX/XX/year> by experian. The debt collector XXXX XXXX XXXX purchased a fraudulent account and is now attempting to have me pay the fraudulent debt under threat of duress and coercion by reporting the fraudulent debt as a collections account on my experian consumer report. I demand this account be removed immediately due to the fact it is directly related to identity theft having stemmed from the XXXX XXXX account that was identity theft. Failure to delete this fraudulent account 4 days after receipt of this notice will be deemed civil noncompliance under the FCRA. It is not my fault XXXX XXXX XXXX purchased a fraudulent debt XXXX XXXX XXXX  shouldve done their due dilligence before purchasing the fraudulent debt.
Consumer complaint received 2015-05-15
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Consultants of California (CA)

They are repeatedly robocalling me sometimes more than XXXX time in an XXXX at my work. For instance yesterday, They robo called saying they were a collection agency at XXXX ; XXXX then at XXXX. I have asked for a Validation of Debt which they did not provide and also a Cease of Communication notice.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (VA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Incorrect demographic & personal information on my credit profile that does not correspond to my State Drivers License. I have reached out to creditors or reporters and they said it is the responsibility of the CRA to amend said information but CRA 's refuse to remove incorrect information which will impact my ability to be a Personal Guarantor for future business loan applications that rely on a credit and clean XXXX for completion. See attached documents showing attempts that failed.
Consumer complaint received 2024-09-30
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.C. System, Inc. (TX)

Please reference complaint # XXXX. The representative responded to the complaint provided false information. If the representative is saying they are only acknowledging XX/XX/year> certified letter, with the information she supplied came from my XXXX certified letter tracking number XXXX XXXX XXXX XXXX XXXX XXXX, mailed XX/XX/year>. How is that possible? How can I provide the account numbers from the XX/XX/year> certified letter tracking number XXXX XXXX XXXX XXXX XXXX, when I didnt have the account number? She gave the FTC numbers as account numbers when that was not provided to them until XX/XX/scrub>XXXX XXXX XXXX. So no, those numbers will not be in their database, because they belong to FTC. This proves they have received both of my certified letters XX/XX/year> and XX/XX/year>, and are failing to remove this fraud account from my credit report. I have already spent too much money attempting to resolve this account and retrieve the information I need to escalate to the XXXX Police Department. IC System need to be held accountable and so does XXXX. Additionally, IC Systems is not authorized to conduct business in the state of Texas. I will also be sending a complaint to the Texas Office of Attorney General - deceptive practices, false information and refusing to remove this fraud account. No proper ID could have been provided, because I did not create the account.
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Upstart Holdings, Inc. (TX)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-09-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (WV)

I was trying to receive money from someone out of state, and created a venmo account. Immediately I wasn't able to withdraw funds to my debot card linked, and after trying a couple times, I tried sending a dollar to someone to see if I could do that, a d also bought a small amount of crypto trying to figure out how to get my money off. That's when they froze my account until I could verify my identity, which they claimed was blurry at first. A couple weeks later I asked them if I could retry, when told it was blurry etc the first time. After asking multiple times, I get a response saying my account is permanently disabled and funds would be frozen 180 days. And would notify me if I can receive my funds that are locked on there. It's literally only XXXX $ but right now it's all I have and bills coming up, thank you for your time, and thos all happened within the past month, the last part just the last day or two. Now online I'm seeing so many the same exact complaints, I just would like my money or to know a valid reason as to why.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX my account was froze due to someone sending me money via XX/XX/XXXXon the XXXX then disputing the charges. It is now XX/XX/XXXX and i still have no access to any money in my account. I was told to call the person that disputed the charges and ask them to withdraw from the dispute but i am no longer in contact with them because they blocked me due to wanting the money back from the bank. I have been without my money for 20 days not able to have any access and not told any information. They wouldnt even allow me to go to a bank teller with my identification to pull some of the money out.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-15
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. (WI)

Experian has place 3 collection accounts on my report without my permission. The accounts in question from XXXX XXXX XXXX have not been verified. I have not received any information from XXXX XXXX that I have requested to verify the loan. They only sent me their statement. Once I received the statement, I told them that they did not verify the account as I asked for the following.

1 ) The name and address of the original creditor.

2 ) The amount of the alleged debt.

3 ) An itemized statement of the alleged debt.

4 ) Purchase agreement of the debt.

5 ) Insurance Claim of the debt.

6 ) The XXXX  with the original creditor.

7 ) Proof that you are authorized to collect this debt on behalf of the current creditor.

8 ) Verification that this debt is within the statute of limitations.

I have not received anything after 4 months as they can't provide any information. They then placed the records on my credit report which have not been verified and show a past due amount, the date is wrong and the account shows open, which is a violation of my rights.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The following inquiries were done fraudulently in my name due to my XXXX being exposed in a data breach. 

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 2024-08-28
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. (MD)

Filed a dispute for accounts and company changed status from charged off to open on credit report in attempt to hurt the consumer credit scores. Creditor has violated consumer credit Laws. The account was charged off and reported to irs for company to receive tax credit. Company needs to update balance to XXXX and / remove from consumer credit report. Creditor was asked for. 1099-C and never provided to customer after 60 days XXXX XXXX is illegally reporting a balance of {$16000.00} XXXX XXXX is illegal reporting a balance of {$1500.00}
Consumer complaint received 2024-09-03
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)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-08-28
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. (PA)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-09-04
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. (TX)

My personal information was exposed in a XXXX XXXX XXXX  data breach, whoever stole my identity opened fraudulent accounts in my name and the accounts are reporting negatively on my credit report. Here are some of the fraudulent inquiries and accounts ... .I also attached supporting documents.

Fraudulent Inquiries and Date of the inquiry 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 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This evening, I was dismayed to discover unauthorized inquiries on my credit report, and I can't understand how they got there. I check my report regularly, but this time, something is seriously wrong. I refreshed the browser, thinking it might be a technical issue, but the inquiries remain. I urgently request that the documents Ive submitted be carefully examined so I can stop worrying about this.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is so distressing and you have no idea how bad it is, Im an honest man working my way off honestly, then I look at my credit report all I see are false, incorrect and inaccurate information being reported under my name. As a consumer I know I have rights and protections but that seems to be a lie and I want to uphold that right under the law as long as I can even though it is already impacting my life and credit negatively and I need your help to set things right, sick and tired of living paycheck to paycheck with my credit applications being denied because of these errors.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

XXXX XXXX XXXX XXXX has an account that belongs to my XXXX and I have NO liability for this account as I am only an Authorized User and I was supposed to be removed as an authorized user. I submitted a dispute with the credit bureaus and XXXX XXXX verified it is correct information. As an Authorized User I have the right under the FCRA and Federal Law to be removed as an XXXX and the account deleted off my credit bureaus as I have the right to my own credit and I do NOT wish to be an Authorized User on my XXXX  XXXX XXXX XXXX card account. This is notice to XXXX XXXX that I want to be removed as an Authorized User from the account or my XXXX  XXXX XXXX of XXXX XXXX XXXX  will initiate litigation for any harm this has caused my credit and punitive damages for stress. ** I DO NOT WANT TO BE AN AUTHORIZED USER ON MY XXXX ACCOUNT NOR AM I LIABLE FOR THIS ACCOUNT. We were divorced in XXXX  2021 in XXXX XXXX, XXXX. Her name is XXXX XXXX. The account listed has a credit limit of {$6300.00}. This needs to be removed immediately or my XXXX  will take action for XXXX XXXX failure to delete this account at my demand and federal rights.
Consumer complaint received 2024-09-04
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. (PA)

I am writing to inform you that I have been a victim of identity theft, resulting in the unauthorized addition of several fraudulent accounts on my credit report. These accounts were opened without my knowledge or consent. 

Accounts XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft. I now request the immediate removal of these fraudulent accounts to ensure the accuracy of my credit report.
Consumer complaint received 2024-09-04
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)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-10-02
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. (NY)

Several months ago i was contacted by XXXX XXXX XXXX who proceeded to violate my consumer rights first by falsely giving me the consumer the impression that they are a law firm, then pretending to have a business opportunity for me and solicited all my presonal information which violates the Privacy Act of 1974 and an array of Consumer Laws. They then retaliated against me as they sated they would, and deliberately negatively reported to the credit reporting agencies against my explicit verbal and written demands. The company willfully ignored all my lawful affidavits including a debt verification/validation request. As this context pertains to CFPB Complaint : XXXX, the credit reporting agencies were made aware of this Several months ago but continued to furnish reports of an alleged debt i have no awareness of, and by fact of law, one that was dissolved under Legal Maxims of Consumer laws, and contractual laws when XXXX XXXX  XXXX Failed to respond to the lawful affidavits in the lawful alloted time, thereby dissolvingany obligations i have to this alleged debt. The account was disputed multiple times and is still being negatively reported on my credit file causing injury and binding of my contractual powers presently and henceforth. As the credit reporting agencies have had multiple opportunities to remove the debt. And has conducted and concluded multiple investigations already in good faith they can not be granted more time. Therefore, the conditional/ contractual stipulation of the 48 hour period at the time it was stated is within my contracting powers according to Uniform Commercial Code and the United States Book of Codes. I do not consent to the credit reporting agencies anymore time. My contractual terms are still stands. I Therefore reject the offer, or request of the credit reporting agencies for more time. with facial relevance- this is a NOTICE OF NO CONTRACT. OFFER REJECTED All Rights Reserved UCC 1-308.
Consumer complaint received 2024-09-04
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. (AL)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

These are inaccurate accts on my credit report Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXXXXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account XXXX XXXX
Consumer complaint received 2024-09-03
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. (FL)

I sent out certified letter demanding immediate removal of those accounts provided in the letter attached which was back in XX/XX/scrub> 2024 which my demands was not met now I demand immediate removal & be compensated XXXX for violating my rights
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I recently reviewed my credit report and found unauthorized inquiries. 

Creditor Date of inquiry 1. XXXX XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX NA - XX/XX/XXXX 3. XXXX OF XXXX - XX/XX/XXXX 4. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  IN - XX/XX/XXXX 6. XXXX XXXX XXXX CO - XX/XX/XXXX 7. XXXX XXXX OF XXXX XXXX XX/XX/XXXX 8. XXXX XXXX  FINANCI - XX/XX/XXXX 9. XXXX XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXX AUTO FIN - XX/XX/XXXX 11. XXXX XXXX XXXX - XX/XX/XXXX 12. XXXX XXXX IN - XX/XX/XXXX 13. XXXX XXXX - XX/XX/XXXX