davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The items listed below are reporting on my personal credit file and were found in my reports with credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX, XXXXXXXX XXXX ON XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (MA)

Dear Barclays De Bank ; / Sir/Madam, I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.

I request the immediate deletion of this disputed account from all credit reporting agencies due to its unrecognized status and the absence of contractual obligations. Your prompt attention to this matter is appreciated. Failure to comply may result in further legal action to protect my rights and interests.
Consumer complaint received 2024-09-19
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. (MI)

" 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 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-11-20
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. (LA)

I have reached out to XXXX, Transunion, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX stated that I received a copy of my credit report and there is unknown inaccurate information listed on my credit report. There are misspelled names and inaccurate unknown inconsistent account information on my credit report. Theses companies has done nothing but ignore me and continue to violate my rights as a consumer by reported this inaccurate information every month which is negatively impacting my credit which is hurting myself and my family lively hood. Per 15USC 1681i these companies by law are supposed to investigate this information to make sure that it is 100 percent accurate before reporting anything to the public, which they DID NOT.
Consumer complaint received 2024-07-22
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)

Hi, I recently looked at my credit report on Experian on XX/XX/XXXX. I saw some inquires that did not have permissible purpose. I also attached evidence below. 

1. ) XXXX XXXX XXXX- XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 usc 1681b. 
2. ) XXXX XXXX XXXX - XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 usc 1681b. 
3. ) XXXX XXXX XXXX - XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 usc 1681b. 
4. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) - XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 usc 1681b.
Consumer complaint received 2024-07-22
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)

Recently, I reviewed my credit report and identified several inaccuracies that are affecting my ability to secure a mortgage and overall credit. From my understand that you will investigate the following account to ensure its accuracy. Here is the account that I am asking you to verify and validate : Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-22
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. (IL)

In accordance with the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing the necessary documents : a picture ID, a bill, and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking as outlined in the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I respectfully request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have supplied my identification and the required documents from the list of acceptable items, as mandated by law. Additionally, I have included a victim determination letter as per 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-22
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)

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' No financial Institutions, or Consumer reporting agencies XXXX, XXXX and Experian, do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, XXXX and Experian, have never informed me of my right to exercise my nondisclosure option. XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-07-22
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. (NY)

XXXXXXXX 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 
I do not authorize none of these transactions. I do not recognize any of these hard inquiries. 
I also have one collection that I would like to be removed as well. 
XXXX XXXX XXXX XXXXXX/XX/XXXX. 
These is a bill that I had paid and it shows as a collection on my credit reports.
Consumer complaint received 2023-07-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSWORLD SYSTEMS INC (NY)

I am writing to dispute the following information in my file. I recently received a copy of my credit report. The credit report showed credit inquiries that I don't recall authorizing. With the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge this questionable information. I understand thatyou shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
The FCRA states that the only permissible purpose for pulling someone's credit is for : XXXX XXXX XXXX XXXX XXXX XXXX Court Order The following credit inquiries are related to none of the aforementioned permissible TRANSWORLD SYSTEMS INC.
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

On XX/XX/XXXX, I opened an account online with my son, XXXX XXXX. Recently, we have been experiencing issues with Bank of America 's online mobile banking. The online access gets locked for no apparent reason. I have called the fraud team multiple times, and while they assist in restoring access, it gets locked again soon after. 

I have contacted the department several times regarding my online access, but no one seems to have an answer as to why this is happening repeatedly throughout the day. I noticed that I received a call from a XXXX phone number. I am not sure if it is associated with Bank of America, but my research on the number yielded no relevant information pertaining to the bank. However, whenever I receive a call from that number, my online access is mysteriously blocked. 

Bank of America has blocked my debit cards and prevented me from accessing the accounts. I am unsure what exactly is going on with Bank of America 's online system or what triggers these lockouts, but it is extremely frustrating. I value my relationship with Bank of America and just want to get this sorted out. I believe this issue requires someone with higher authority to look into it, as the system is not operating correctly and is preventing account holders from accessing their accounts. 

Could someone from the XXXX team or XXXX office please get this under control and find a way to fix it as soon as possible to prevent it from happening again? I log in from the same IP address daily, with any changes occurring only when I switch from my home internet to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe. I do not understand if this would have any effect, as I log in using Face ID on my XXXX. I hope the XXXX XXXX XXXX is secure enough to prevent such issues.
Consumer complaint received 2024-07-22
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. (IL)

The existence of this account has caused me significant distress, to the point where it is affecting my XXXX XXXX XXXX. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I requested that XXXX XXXX XXXX XXXX acct # XXXX XX/XX/year> be removed from my credit report. 1 ) account belonged to XXXX XXXX XXXX XXXX 2 ) was included in bankruptcy and paid off. Account is old but keeps returning to my credit report.Remove account.
Consumer complaint received 2024-08-26
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: EQUIFAX, INC. (TN)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-26
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: Entrata Inc. (GA)

I am writing to formally express my concern regarding a serious issue that has arisen following my recent application for residency at The XXXX apartments address : XXXX XXXX XXXX XXXX XXXX, GA XXXX. 

I submitted an application to rent an apartment at The XXXX. However, I was dismayed to discover that my personal information was shared with Rent Plus, a credit builder agency, without my consent. Subsequently, Rent Plus conducted a credit check on me without my prior knowledge or authorization.

This breach of privacy and unauthorized credit check are significant concerns for me. As you may be aware, sharing personal information and conducting credit checks without explicit consent are violations of privacy laws and consumer protection regulations.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

They are reporting 2 civil judgements liens on my credit report from US Department of Treasury XXXX as open accounts. One for approximately {$100000.00} and the other for {$800000.00}. These are defaulted civil judgements. In 2017, the credit bureaus entered into a settlement agreement called the National Consumer Assistance Plan ( NCAP ). In that settlement, civil judgements will no longer be reported on credit reports.
Consumer complaint received 2024-08-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I am writing to formally file a complaint over the handling of an account that you placed on my credit profile. Bank of America is in direct violation of **15 U.S.C. 1681s-2 ( a ) ( 3 ) **, as you failed to comply with federal law by not marking the account as disputed when I challenged its accuracy. Furnishers of information are required by the Fair Credit Reporting Act ( FCRA ) to report disputes to the credit reporting agencies, and your failure to do so is a clear violation of this obligation.

Additionally, your actions also constitute a violation of **15 U.S.C. 1681s-1**, as you should have known that failing to follow the FCRAs guidelines would lead to the reporting of incomplete and inaccurate information. This not only makes the account in question inaccurate but also causes harm to my credit profile. 

I request that you immediately : XXXX. **Correct the inaccurate information** by deleting this account off my credit report.. 
XXXX. **Notify all credit reporting agencies** of the removal of this account. 
XXXX. **Provide written confirmation** that the account has been updated in compliance with my demand. 
XXXX.monetary compensation of a {$1000.00} to which I am entitled to under 15 USC 1681n ( Civil Liability For Willful Noncompliance ). 

If you fail to take corrective action, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) again and pursue any legal remedies available to me under the FCRA.
Consumer complaint received 2024-07-22
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. (CA)

This account was repossession on the following date XX/XX/2020. Since then, the account has repeatedly been updated as repossession every month. This the update in the payment history. This account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after i asked you do it twice and your neglect has violated my rights. I am demanding a deletion of the following account XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-22
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. (DC)

Today I look at my credit report and I NOTICED 3 fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX open around XX/XX/2021 XXXX owed, and XXXX XXXX opened around XX/XX/2021. I have requested more information from each company. I have put a freeze on all of my accounts. I have filed a policy report and also a report with FTC. 
During Covid we allowed a friend of the family to come stay with us for six month, This person XXXX XXXX stole Infromation like my date of birth, ssn and had access to my phone, and within a 3 month period opened 3 fraud accounts. I was a victim of identify thief,
Consumer complaint received 2024-07-22
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. (IL)

" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''
Consumer complaint received 2024-07-22
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. (TX)

It is my personal statement that the listed inquiries are fraudulent and not created by me and must be deleted due to identity theft. Pursuant to 15 USC 1681c-2 please delete these inquiries. Also, please update my file to reflect accurate personal information pursuant to 15 USC 1681e ( b ). 

Please see attached Identity theft report