davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
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. (VA)

Yes I have a XXXX account on my credit report that does not belong to me and I will like this to be validated and need something with my signature on it saying I opened this account.. I gave no one permission to open this account and will like it deleted from my credit profile
Consumer complaint received 2024-09-26
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. (CA)

I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be BLOCK AND DELETED. ( XXXX ) I hereby opted out of all your informational services and branches for the illegal distribution of my information without written consent which is a data breach and invasion of privacy any further trespasses on the account will be seen as a threat against my personal assets and will be seen as fraud and reported to proper lawful authorities.
Consumer complaint received 2022-02-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I've tried multiple times to have an account on my credit report that doesn't belong to me deleted. My request was ignored despite the fact that I had provided all necessary details. The account will no longer be investigated, I was told. Due to identity fraud, the account is no longer shown on other reports and has been removed.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

I have requested several times for XXXX and Experian to correct the information being reported and I have not received the corrections updated and I have received no proof of the information being reported. 

Incorrect names, addresses and various other information
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FISERV INC. (OH)

After reviewing my credit report, I've discovered a couple of discrepancies in billing that need urgent attention. These inconsistencies highlight a significant failure in the creditor 's management of my account, for the accounts listed which is telecheck services. It's my right as a consumer to receive a credit report that is always 100 accurate. I respectfully request that the mentioned accounts cease to negatively impact on my credit report or be promptly removed. Additionally, any remaining information lacking proper evidence or precise details should be promptly eliminated. Your prompt assistance and consideration in resolving this matter are sincerely appreciated.
Consumer complaint received 2023-03-10
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 — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY (CT)

They are making negative comments and causing me to be declared and unable to get a new apartment and I have to move by XX/XX/2023 or me and my son will be homeless. The company that just did my screening for approval said my only reason for decline was because of Amex
Consumer complaint received 2024-07-26
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. (MI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

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 2022-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (NY)

On XXXX XXXX I accepted the promotional offer from Citicard to transfer balances to my card for an XXXX  of XXXX XXXX  that " applies to each transferred balance made under this offer until XX/XX/XXXX. '' I am a long time reliable customer with a respectable history with Citicard. 
I received a confirmation of the offer dated XX/XX/XXXX. Now that I accepted their offer, this document states " This rate doesn't modify the current rates of any existing balances you may have on your account. '' My account reflects a XXXX XXXX XXXX, not a XXXX XXXX XXXX as promised. I accepted their offer in good faith. 
I contacted Citicard and was not able to communicate with the customer representative due to his obvious use of XXXX as a second language. We tried and finally I requested to speak with a supervisor. He resisted and then said he was putting the call on hold. The call was disconnected. 
I believe I am a victim of a bait and switch tactic from Citicard or a grievous error. I am asking for my account to be adjusted to correctly reflect the XXXX of XXXX XXXX as offered. I am not a novice or of low intelligence and I am insulted to be disrespected in this manner.
Consumer complaint received 2024-09-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MD)

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name & Account Number : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( Fields v. Wilber Law Firm Coppola v Arrow Financial Services ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( 73 Am Jr sect. 93 ) & ( Gearing v Check Brokerage Corporation ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (TX)

Initial check deposit from XXXX XXXX ( from insurance ) was reversed due to a security check on XXXX XXXX side. Explained situation to Ally Bank Fraud Team and account was " unlocked ''. Resolved the Insurance Check issue with XXXX XXXX and received the ok to deposit the same check amount again. Could not use the same check number for the deposit so spoke with the Ally Customer Service Team who said it was ok to use a new check from XXXX XXXX. Contacted XXXX XXXX that a new check for the same amount will be deposited, informed the Ally Customer Service XXXX that a new check with the same amount will be deposited also. Deposited the check into Ally Account and account was locked. Called the Ally Fraud Team on XX/XX/year> and they informed that account was locked until the check fully clears on XX/XX/year>. Called Ally on XX/XX/scrub>XXXX  because the account was not unlocked and was informed the Investigation Team was still investigating. Followed up again on XX/XX/year> and informed investigation team has not investigated yet. The Check from XXXX XXXX has cleared XXXX XXXX and Ally has not unlocked my accounts so I can not access any of my funds and not given any estimate on when my accounts will be unlocked. I can not pay various bills or my XXXX for a house rebuild due to a fire and hurricane beryl!
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2023, I sent dispute letters to XXXX, XXXX, and TransUnion disputing an inaccurate information regarding a bankruptcy on my consumer report. XXXX, XXXX, and TransUnion have neglected to report that bankruptcy that is on my consumer report has been disputed. That is a violation of 15 USC 1692e ( 8 ). It must be reported that an account or an entry on a consumer report be marked disputed when a consumer has disputed it. Failure to do so can result in litigation or arbitration. I have previously disputed this entry as inaccurate on my consumer report. Since this account/entry has been disputed XXXX, XXXX, and TransUnion have failed to comply with the requirements of 15 USC 1692e ( 8 ). 
Also, XXXX, XXXX and TransUnion have no permissible purpose to share bankruptcy information in its entirety with my name, social security number and other identifiers. That is a violation of 15 USC 1681 ( b ). I have never given my written consent or permission to furnish information not given to them by me or the United States Bankruptcy court ( please see attachment ). I completely intend to file suit in small claims court.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. 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 2023-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

Ive been trying to move this collection debt off my credit report for about a year now I continually keep calling and asking them to remove this, and also asking for any updates and nothing. also sent letters over to them and no response..
Consumer complaint received 2023-03-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ZWICKER & ASSOCIATES (TX)

1. Zwicker & Associates sued me in the wrong jurisdiction and in a state that I was not living in at the time. Please see attached. 

2. Zwicker & Associates received a judgement against me, applied for and received an Appointment of XXXX XXXX on XX/XX/XXXX. I secured counsel on XX/XX/XXXX to represent me in this case. Multiple attempts have been made since XXXX to contact this law firm with no response. Emails have been ignored.
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TN)

In the year of 2021 my account was closed for suspicion of fraud simply because I funded a new account. I am just finding out about the CFPB and I am requesting an investigation into this matter. I want my money back.
Consumer complaint received 2022-02-07
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: LJ Ross Associates (MD)

Issue : L J Ross Associates, XXXX XXXX XXXX, XXXX XXXX, MI XXXX has been reporting a collection account on credit report since XX/XX/XXXX for an amount of {$220.00} for a past Gas bill from XXXX  XXXX on a residential property. The collection agency has never sent letters or contacted individual regarding the collection. Disputed information with XXXX during XX/XX/XXXX once discovered the negative filing on the credit report. XXXX confirmed the dispute is valid without no investigation and reinstated the items on report during XX/XX/XXXX. XXXX system would not allow proof of claim to be submitted via their online system. 

Problem : The residential property was sold on XX/XX/XXXX. There was an overpayment on the account during settlement which was issued back to the sellers. The sellers also received email communications directly from XXXX XXXX regarding the account closure and refund for the overpayment on the account.
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (VI)

I am submitting this complaint regarding a fraudulent debt reported by Jefferson Capital under account number XXXX, for which I was never notified via mail or given the opportunity to dispute. This constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Details of the Violation : 1. Failure to Provide Notice ( FDCPA Violation ) : Under 15 U.S.C. 1692g ( a ) of the FDCPA, I am entitled to be notified of any alleged debt in writing, providing me with the right to dispute within 30 days. However, I did not receive any such notice from Jefferson Capital. This lack of communication is a direct violation of the FDCPA, as it deprived me of my right to dispute the debt before any further collection actions were taken.

2. Fraudulent Debt Reporting ( FCRA Violation ) : The debt in question is fraudulent, and under 15 U.S.C. 1681c-2 ( a ) ( FCRA Section 605B ), no entity has the right to report information related to identity theft or fraud on my credit report without my permission. I never authorized this debt to be reported, and the fact that it appeared on my credit report without proper validation or notification is a clear violation of my rights under the FCRA.

3. Failure to Cease Communication ( FDCPA Violation ) : After discovering this fraudulent debt, I formally requested that Jefferson Capital cease all communication with me regarding this debt under 15 U.S.C. 1692c ( c ) of the FDCPA. Despite my request, I continued to receive communications about this debt. This ongoing contact, despite my demand to cease communication, constitutes harassment and a further violation of the FDCPA.

Laws Violated : Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692g ( a ), 15 U.S.C. 1692c ( c ) Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681c-2 ( a ), Section 605B
Consumer complaint received 2022-02-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX / XXXX / {$0.00} XXXX XXXX XXXX / {$0.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXXT ) / XXXX / {$2100.00} XXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (FL)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

BARCLAYS BANK DELAWARE XXXX
Consumer complaint received 2023-03-10
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: CLGF Holdco 1, LLC (AL)

In accordance with the fair credit Reporting act my rights has been violated. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Synovus Bank (AZ)

This account was opened fraudulently and the individual who opened it has been aprehended ; I have never conducted business with First Progress. I have already filed police reports with both XXXX XXXX and XXXX XXXX. Additionally, I have documented multiple inaccuracies being reported on my credit. In response to my complaint to the CFPB, I received even more inaccurate and mixed information from First Progress. Therefore, I demand that this account be removed from my report, rather than simply being updated. One letter says the card had 1 payment made, the other letter states the card had 0 payments. There investigation has been completed and they are still giving incorrect information. For that reason i want this account deleted. 

In my police report is also an incident report from the restaurant in which my identity was being used. It is very clear to see the XXXX man posing as me with my license and social security card which he has used for years now. I never personally signed for any card with this company and under the FCA i want a legit investigation done and proof sent or i want it removed.
Consumer complaint received 2022-02-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX {$210.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Consumer complaint received 2022-02-07
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

U S DEPT OF ED/GSL/ATL / XXXX / {$0.00} U S DEPT OF ED/GSL/ATL XXXX XXXX XXXX {$0.00} U S DEPT OF ED/GSL/ATL / XXXX / {$0.00} U S DEPT OF ED/GSL/ATL / XXXX / {$0.00} U S DEPT OF ED/GSL/ATL / XXXX XXXX {$0.00} 15 U.S. Code 1681XXXX - Procedure in case of disputed accuracy XXXX XXXX ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).