davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (WA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX and XXXX Credit Bureaus last month. And now we are in the month of XX/XX/2021 and still nothing from them. That means XXXX and XXXX have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Remove these following accounts completely from my credit report : MIDLAND FUNDING - XXXX Balance Owed : {$830.00} ; MIDLAND FUNDING - XXXX Balance Owed : {$1700.00} ; MIDLAND FUNDING XXXX XXXX Balance Owed : {$3100.00} ; MIDLAND FUNDING - XXXX Balance Owed : {$5800.00}
Consumer complaint received 2023-05-06
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. (NJ)

I am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. Accounts list as follow : XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX XXXX {$280.00} XXXX In accordance with the Fair Credit Reporting act These Accounts have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HANCOCK WHITNEY BANK (TX)

I applied for Hancock whitney online checking account opening process. Initiated a deposit of {$51.00} to have this process kick started. Today I got a call and then an email to send the photo id by email. Gentleman stated that application got stuck in the system. I sent the DL scanned copy. After few minutes- got an email with how to access the account online. I already uploaded the photo id by online application process. 

Step 1 : You'll be able to log in the day after opening your account. Download the Hancock Whitney mobile app on your smart device.

For Online Banking, go to hancockwhitney.com and use the Personal Online Banking option from the drop down menu. 

Step 2 : Log in with your initial credentials below : User ID : first and last initial + 8 digit DOB ( i.e. XXXX ) Initial Password : " Go '' plus the last six ( 6 ) digits of your social security number ( i.e. XXXX ) None of this worked. 
Called XXXX at XXXX XXXX  and was talking to XXXX. She got all the information about me, Social security number, date of birth, can verify me by sending the text message to my registered phone. But still I can not login and get my account number and routing number. She told me due to security reasons she can't provide me this. 

It seems that this bank- Hancock Whitney is not at all organized and all the parts are broken. Worst thing- they have the customer facing employees like XXXX who are thinking that they are doing a favor to the customers by working in this bank. Hancock Whitney must accept that their systems are not working and report it to the customers ( website and automate calls ) rather than be so coward and shameless not to admit and acknowledge that any problem exists.

Moreover if the online system doesn't work- there are alternative ways to serve the customers rather than having sorry face.

It's a chicken and egg situation - customer service won't provide the account number and without account number, customer like me can not have the online access. Shame on Hancock Whitney.
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I noticed my consumer credit file was incorrect and incomplete, related to the Capital One account. Capital One is in violation of the FCRA in regards to the information furnished to the consumer reporting agencies, whom are non affiliated third party companies. Capital One has incorrectly reported my credit card account as a flexible spending account, which it is not. Capital One also reported my account as being late in XX/XX/2022, there was never an investigation done by the CRA 's prior to reporting this incorrect information because pursuant to 15 USC 1666b- no creditor shall treat an account as late. 

I have tried to rectify this issue with Capital One and the CRAs as this is causing me major financial damage and has caused me to not be approved for an apartment. In disclosing this information my right to privacy was violated. Capital One 's terms and conditions clearly state that they will not sell my information to a third party, and they did just that in selling my personal financial information to the credit reporting agencies. 

In addition, I have looked over everything that was given to me upon opening this credit account, and the Gramm Leach Bliley Act Disclosure was never given to me, violation of federal law.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion continues to report information incorrectly as this is having an adverse reaction on my credit score. TransUnion is reporting the balances on my accounts are too high compared to loan amounts and that they are high lowering my score, however, I paid my auto loans and am using less than 2 % of my available credit. TransUnion is also stating my largest credit limit on my open bankcard or revolving accounts is too low which is not accurate. While I may not have {$100000.00} limits I don't have as little as $ XXXX-XXXX  limits. What do they consider too low a limit? TransUnion is being biased and prejudice by also lowering my score by stating largest credit limit among all the open bankcard or revolving accounts in your credit file is low. Again this information is inaccurate if you look at my available credit and limits across my card profile. TransUnion is giving the false impression that I am overextended which are triggers for higher risk of which I am not This is a defamation of my character. I always use credit responsibly and always make payments on time. TransUnion also states I have too many inquiries and this is lowering my score. I have one ( 1 ) inquiry from XX/XX/2020 and no other inquires. How is this " too many '' unless they are simply looking for reasons to intentionally lower my score because of race. This information is not correct nor is it right. Stating I have too many inquiries can lower your score a small amount, typically by 10 to 20 points. The TransUnion XXXX credit score model is flawed. Again another inaccurate piece of information in my credit file that TransUnion fails to correct is they are claiming the total of all balances on bankcard or revolving accounts is too high yet I have paid off practically every credit card, I have paid off my auto loan, I have no personal loans no payday loans and I find it strange that my score dropped significantly when I paid off all debt than when I had debt. For the past 8 months I have been at 1-3 % utilization and yet my score continues to drop with TransUnion with no explanation so I find it difficult to understand how TransUnion states the total combined amount I owe on all of my bankcards and revolving accounts is high and a sign of increased risk. People who carry balances on multiple bankcards or other revolving accounts have reduced available credit to use if needed, creating a greater chance of becoming overextended yet I have paid everything off ; TransUnion claims on their own website : Pay down the balances on your accounts. Ideally, the balance on any revolving account should be 30 % or less of the total credit limit on that account. Yet my 1-3 % which is substantially below their recommended 30 % isn't enough to move the credit score needle? Its
Consumer complaint received 2023-09-25
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. (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 : XXXX XXXX Account Number : 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.
Consumer complaint received 2021-11-09
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. (OH)

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX  XXXX XXXX U.S. DEPARTMENT OF EDUCATIONXXXX
Consumer complaint received 2023-05-06
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation (TN)

I am writing this letter in regards to a debt that I allegedly owe to bridgecrest company. I requested a validation of this debt under the provisions of the Truth in Lending Act, 15 U.S.C. 1601 et seq. but i never received that As per the requirements of the Truth in Lending Act, I am entitled to receive a written verification of the debt that I allegedly owe to this company. This verification should include all relevant details of the loan or credit agreement, including the original amount of the debt, the current balance, the interest rate, and any fees or charges that have been added to the account. they have re-aged my account so i requested this and i never received it. 

I am requesting that they provide me with the following information : A complete and detailed accounting of the debt, including the original amount, current balance, and all charges or fees that have been added to the account. 

A copy of the loan or credit agreement that I allegedly signed, along with any amendments or modifications that have been made to the agreement. 

Documentation of the authorization or assignment of the debt to your company, including the name and contact information of the original creditor. 

Verification that your company is licensed to collect debts in my state. 

Please be advised that until you provide me with the requested information, I dispute the validity of this debt and request that you cease all collection activity, as per the provisions of the Fair Debt Collection Practices Act. 

I would appreciate a prompt response to this request within your receipt of this letter. If you are unable to provide the requested information, please inform me in writing and provide the reasons for your inability to do so. 

i have checked my credit report and i see that this account is now listed as closed by bridgecrest and dropped my credit score XXXX points. this re-aging of my account has harmed me again. 

i did not have an account with bridgecrest so i do not know who these people are. 

these people were emailed by me and never responded back.
Consumer complaint received 2021-11-09
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. (AZ)

there's a debt on my credit report of {$2600.00} from XXXX XXXX XXXX opened on XX/XX/2021 that is not mine. I have contacted XXXX XXXX XXXX  many times to get this debt removed due to it being not my debt. I feel this is a fraudulent debt. XXXX XXXX XXXX did not contact me or gave me any validation letters about this debt. This debt is not mine and they will not let me dispute this with them. Due to this being fraud I want this removed as soon as possible.
Consumer complaint received 2021-11-10
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

Hello, I was wondering why am I seeing capital one reporting on my credit report without any of my written consent.I would like for you all to remove these accounts from off my report because you are in violation of The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. Also under 15 US Code 1681a ( 2 ) ( b ) - exclusions from a consumer report any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. this mean you shouldnt be reporting on my consumer report please remove this from my report. 

With this being said due to not having my written signature and just because this is a extension of credit this MUST be excluded from my consumer report.
Consumer complaint received 2023-08-16
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: Experian Information Solutions Inc. (GA)

XX/XX/2022, I downloaded a letter from courthouse website stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 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 According to : 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 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc. (CA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the account listed below is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here is the account that is reporting fallaciously in my report and needs to be removed : AWA COLLECTIONS ( Original Creditor : XXXX XXXX ) - XXXX
Consumer complaint received 2023-09-25
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)

XXXX Notification from XXXX XXXX about Your Credit Card Application Indicates a score an XXXX Credit Score of XXXX. 
XXXX is not reporting this score!! 
Multiple unauthorized inquiries by auto dealerships in order to attempt to acquire vehicle funding to sell vehicles. 
I DID NOT AUTHORIZE THESE INQUIRIES!!
Consumer complaint received 2023-09-25
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. (IA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-05-06
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: Avant Holding Company, Inc. (NY)

Company cant explain the charges on my account. They informed me that they would start an investigation but when I called a few weeks later I was told there was no record of an investigation being started yet they admitted they were suppose to start on. They charges I found out after doing some research was made in the same state that their company is based. I have proof I didnt make the transactions. It happened on XXXX separate occasions. Once in XXXX and once in XXXX so I decided to close the account so it wouldnt happen anymore. The company/credit card is Avant
Consumer complaint received 2021-11-09
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FDCPA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2023-09-25
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. (IA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-09-25
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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