davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: STERLING JEWELERS, INC. (IL)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

KAY JEWELERS XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Sectio

n 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i,
all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Bread Financial Holdings, Inc. (GA)

I have recently been informed that there is negative information reported by Comenitycapitalb in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing This is not my account on XX/XX/2022.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I received a copy of my credit report and noticed some hard inquiries that I don't recognize. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

HSBC Bank, XXXX XXXX XXXX has failed to provide valid confirmation through a contractual agreement containing my full signature that a debt is owed for a charged-off balance. I don't recognize any statement balances produced. HSBC Bank, XXXX XXXX XXXX is well aware that I dispute the full charged-off balance amount. HSBC Bank, XXXX XXXX XXXX continues to report a charged-off balance amount and write-off at the same time. HSBC Bank, XXXX XXXX XXXX failed to notify me in writing when the charge-off balance was transferred and to whom should be the proper party to contact, as HSBC Bank XXXX XXXX XXXX XXXX asserts to no longer service this charged-off account balance appearing on my credit reports. HSBC Bank, XXXX XXXX XXXX is causing damaging harm to me and refuses to produce any evidence that a contract agreement containing my signature exists.
Consumer complaint received 2022-07-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have sent XXXX separate batch of disputes to the bureaus and have received no answers regarding the disputes I submitted. Between each batch, I waited over 45 days to allow them to research my concerns. To my knowledge the law has not changed. I am allowed to question errors on my credit report. They must reply back to me within 30 days after they receive. I've checked with my local post office and they are unaware of any problems with the local mail delivery.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

Investigation has taken more than 30 days FDCPA SECTION 807 VIOLATION Please remove this inaccurate information on my credit report Account involved in litigation " inaccurate reporting '' an inaccurate reporting of a PAID OFF ACCOUNT " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' a COMPLETELY PAID OFF account REPEATEDLY LISTED AS CHARGED OFF EVERY MONTH continues to re-age my accounts and reflects negatively on my report. 

XXXX  ACCOUNT NUMBER : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. As previously stated, before this account is involved in litigation. According To The FDCPA SECTION 807 VIOLATION you are reporting Misleading false information.
Consumer complaint received 2022-07-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent 4 separate batch of disputes to the bureaus and have received no answers regarding the disputes I submitted. Between each batch, I waited over 45 days to allow them to research my concerns. To my knowledge the law has not changed. I am allowed to question errors on my credit report. They must reply back to me within 30 days after they receive. I've checked with my local post office and they are unaware of any problems with the local mail delivery.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Source Receivables Management LLC (FL)

I have sent this collections creditor two letters asking for full validation of the debt that they are trying to collect from me and reporting against me on the credit reports. I have a right to understand the charges being held against me. To date, I've yet to receive any answer, but yet they are allowed to be reporting against me on the credit report, whether the information is right or wrong.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, 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 want to state that this complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my EXPERIAN credit report recently and found an unauthorized inquiry reporting on my credit report. I wrote EXPERIAN a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. EXPERIAN is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist in deleting the record below from my credit report Company : XXXX XXXX - XXXX INQUIRY - - Attached is the letter i wrote to EXPERIAN in an attempt to dispute this inaccurate information. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Consumer complaint received 2022-07-07
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: Experian Information Solutions Inc. (CA)

It has been tiring disputing these fraudulent items on my XXXX XXXX since the XXXX XXXX have never even cared about my disputes. I have been disputing the fraudulent items from my Credit Report for a long time while informing them that I am a victim of Identity Theft. The last letter I sent to the Credit Bureaus was on XX/XX/2022, urging the Credit Bureaus to remove these items that were opened due to the theft of my Identity. It is also as clear as daylight that the Credit Bureaus have been negligence of the FCRA section 605b and continued reporting unverified and fraudulent information on my XXXX XXXX! Is it that troublesome for the Credit Bureaus to take a look and investigate my XXXX XXXX? Despite the multiple written requests for them to investigate and remove these items, they have done nothing to correct my Credit Report! How many letters do I have to send to the Credit Bureaus for them to actually do their job? Under the Fair Credit Reporting Act section 605b, the Credit Bureaus are required to remove any account and information that resulted due to identity theft. The following accounts and inaccurate address are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately : XXXX XXXX XXXX XXXX Balance {$11000.00} ; XXXX XXXX XXXX  XXXXX Balance {$3300.00} ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
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. (MS)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) I kindly request that you block this information from my credit report within four business days, pursuant to section XXXX of the Fair CreditReporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX. {$1100.00}. XXXX XXXX XXXXXXXX XXXX. {$0.00}.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2022-07-07
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)

XXXX XXXX XXXX Account # XXXX on XXXX of 2021 I was late on my monthly payment due to XXXXXXXX. Me and my wife where both XXXX  during that time and unfortunately we were unable to make the payment. I called XXXX XXXX XXXX to see if they could remove my late payment and the representative that i talked to said they where unable to remove the payment. He said that even if I sent a good faith letter they would not remove it. I pleaded with him and let him know that the payment was missed due to being XXXX XXXX XXXX XXXX He went on to tell me that if I would have made the payment 2 weeks before hand this wouldn't have happened. I let him know that getting XXXX where not in my plans and that if I forgot about the payment was because I was more worried about getting out of the hospital alive then making sure I made my payments on time. He then went on to make fun of my illness. That's when I asked him if I could speak to his manager. He took down my number and told me that the manager would reach out to me within 24 hours. Its been a week and still no call from the manager. I'm writing this complaint to see if you can remove this late payment from my report since XXXX XXXX XXXX will not do anything even under my circumstances. I hope you can find it in your heart to remove this for me. I would really appreciate it from the bottom of my heart.
Consumer complaint received 2021-06-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. Today on XX/XX/XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now. I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).
Consumer complaint received 2022-07-06
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  account # XXXX, and XXXX Ref # XXXX, and TransUnion # XXXX, has 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.
Consumer complaint received 2022-07-06
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: Experian Information Solutions Inc. (TX)

FCRA violations : accounts not mine XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$130.00} Status Closed. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed
Consumer complaint received 2021-06-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION (FL)

My son wanted to sponsor a bank account for me through his name and bank account at Navy Federal credit Union at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX The bank asked me to send credentials to them to prove who I was and that it was a two-step process and obtaining the bank account I sent the credentials and never heard from them again so I went in and talked to a banker in person she told me that she would not accept any of my credentials and I have a permanent address in Ohio and have a working address in the state of Florida I have credentials for both addresses she told me that she wouldn't accept anything except the address that was typed in when we try to open the bank account which is my daughter 's address and I told my son make sure you don't put any other address except my own because I have no credentials to show if you do she claims we did my son had started to type my daughter 's address because he's staying there and I stay there when I'm working in XXXX I've been living in Central Florida working there also he backed out of it and typed in my central Florida address. 
So I said to the banker I say I can not give you proof of my daughter 's address because I do not live there and she just kept insisting that I give her proof of my daughters address and she said you'll have to give me the driver 's license and everything and her address and I said ma'am I am not living at my daughter 's home and so I proceeded to say just close the bank account and she says will you have {$5.00} in the bank account I said we'll just relinquish the {$5.00} to me and close the bank account and she said well I can't even do that unless you prove you live at your daughter 's address and it was absolutely insane and so I left and I told the sheriff sitting at the desk what they had just done the sheriff didn't do anything either so I'm filing a complaint against Navy Federal credit Union in XXXX Florida. 
XXXX XXXX
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

To Whom This May Concern : This event occurred over XXXX years ago, through Bank of America. Unfortunately I was scammed and as a result my bank account closed and I have been unable to open another. At that age XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was applying for jobs and I received an interview and was offered a position with a company, in which the name I can not recall. It was supposed to be a remote job where They sent a check to my house that I needed to deposit in efforts to purchase a home computer system to complete my daily tasks. Unfortunately, I was naive and wasnt aware of this type of scam. When I deposited the check, my account was flagged and subsequently closed. The bank kept all of the money I had in the account, which amounted to more than the fraudulent check deposited, so I am uncertain as to why I have been unable to open another checking/savings account all of this time. I would greatly appreciate assistance in resolving this matter and restoring my ability to own a checking and savings account in my name. 

Thank you, XXXX XXXX
Consumer complaint received 2024-11-04
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Continental Finance Company, LLC (AZ)

Approximately a week ago ( I dont have an exact date as I can no longer log into my account ) I chatted with a customer service representative for FIT Mastercard . I was behind on it credit card payments and was seeing what kind of programs I could qualify for to help get me back on track. She then advised I qualify for the hardship program that included making 3 payments of {$35.00} beginning XX/XX/XXXX and at the end of the 3 months ( after XX/XX/XXXX ) my account would be marked as current. I opted in to that program and all was well, or so I thought. Today, XXXX, I received a notification from the credit bureau that I have a new charge-off account. It was FIT Mastercard. I then called and spoke with a rep who I advised that I set up this hardship plan and my payment wasnt due yet ( due the XXXX ) so why would they send it to collections. He had no answers and only could apologize and advised once sent to collections there is nothing they can do. This was sneaky and highly unprofessional as I had set up a payment arrangement if you will. I am requesting someone to view the chat records and take my account out of charge-off status.