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

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 XXXX XXXX XXXX. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

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 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I have been disputing accounts with the bureaus for some months now and have not received any letters or results. I have inaccurate items on my credit file, including past the statue debt. It's been a few months and I haven't received anything in the mail, email or received any correspondence. I know that Covid is causing a delay in everything but I would appreciate if this was taken care of.
Consumer complaint received 2024-09-09
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: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear PORTFOLIO, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri state identity theft and credit reporting laws, specifically Section 570.223 of the Missouri Revised Statutes.

It has unequivocally come to my attention that PORTFOLIO has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consumers consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouris identity theft statutes, particularly Section 570.223, criminalize the unauthorized use of personal identifying information, including the illegal access, use, or dissemination of personal data for fraudulent purposes. This includes unauthorized credit reporting that impacts a consumers financial standing.

I assert with unwavering certainty that I have not provided consent for PORTFOLIO to report any information to my credit report. This undeniable lack of explicit permission constitutes a clear violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and Missouri state laws.

I demand, with the utmost certainty, that PORTFOLIO immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state law under Section 570.223. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Missouris identity theft statutes.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that PORTFOLIO will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (VA)

These XXXX  loan accounts are reporting negative when it was clear that I paid them look at my previous payment history an correct it back to its original reporting if you are unable to do that remove accounts below there will be attached a complaint regarding these inaccuracies if you don't want to be held accountable for {$1000.00} per violation update them { US DEPT ED } Please block inaccurate information if your unable to update correctly remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.
Consumer complaint received 2024-09-09
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: Bread Financial Holdings, Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear CB/VICSCRT, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri state identity theft and credit reporting laws, specifically Section XXXX of the Missouri Revised Statutes. 

It has unequivocally come to my attention that XXXX  has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consumers consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, XXXX identity theft statutes, particularly Section XXXX, criminalize the unauthorized use of personal identifying information, including the illegal access, use, or dissemination of personal data for fraudulent purposes. This includes unauthorized credit reporting that impacts a consumers financial standing. 

I assert with unwavering certainty that I have not provided consent for CB/VICSCRT to report any information to my credit report. This undeniable lack of explicit permission constitutes a clear violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and Missouri state laws. 

I demand, with the utmost certainty, that CB/VICSCRT immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state law under XXXX XXXX. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Missouris identity theft statutes. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

This is my SECOND NOTICE that I'm DISPUTING inaccurate personal information found on my credit report. The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for wilful noncompliance to FCRA regulations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-06
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: CLGF Holdco 1, LLC (IL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-09-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (MI)

Collection account from RADIUS GLOBAL SOLUTION with account # XXXX and a balance of {$3300.00}. The original creditor is XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account
Consumer complaint received 2024-09-26
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. (FL)

I am writing to formally request the removal of negative accounts from my credit report due to my status as a victim of fraud. I have recently filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter. 

As a result of fraudulent activities, my credit report contains accounts that do not belong to me. These accounts are negatively impacting my XXXX XXXX and overall financial well-being. I have taken the necessary steps to report the fraud, including filing a complaint with the FTC, which I can provide upon request. 
Please delete the following accounts 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 XXXXXX/XX/XXXX Under the Fair Credit Reporting Act, I believe I have the right to have these erroneous accounts investigated and removed. I kindly ask that you review my case and take the appropriate actions to delete these negative entries from my credit report. 

Please confirm receipt of this letter and let me know what steps will be taken to resolve this issue. I appreciate your prompt attention to this matter and look forward to your response.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-26
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. (TX)

n 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 u.s.c. 1681.. 
Account Name .... XXXX XXXX XXXX XXXX ... # XXXX ... .. XXXX XXXXXXXX XXXX .... XXXX  # XXXX .... XXXX ... .. # 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 XXXXXXXX XXXX ... # XXXX XXXX XXXX XXXX XXXX XXXX .... # XXXX ... .. XXXX XXXX XXXXXXXX .... XXXX ... XXXX XXXX... XXXX XXXX XXXX XXXX... XXXXXXXX XXXX XXXX XXXX. 15 u.s.c. 1681 section 602 A. State 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 an account without my written instructions..

15 u.s.c. 1681 C. ( 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX  has violated my rights.

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 an 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 and purpose.
Consumer complaint received 2023-07-27
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. (VA)

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 2023-07-27
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: Experian Information Solutions Inc. (TX)

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.

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 2023-07-27
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)

I have been dealing with identity theft over the past twelve months by the same individual who has used my credit information for countless reasons that have been sent to collections. Most recently, I have had a fraudulent account sent to XXXX XXXX XXXX XXXX from XXXX XXXX XXXX of {$9900.00}. The account hit my credit report on XX/XX/XXXX and was opened fraudulently on XX/XX/XXXX. My credit is supposed to be frozen so I am not sure how the account was opened in the first place, but I have sent filed a dispute with Experian and with XXXX XXXX XXXX XXXX with more than enough information to prove that the account is not mine. I provided my drivers license clearly stated for GA when this account is in California. I have provided multiple utility bills for the months in question, I have provided my marriage certificate showing that my last name was updated from XXXX XXXX to XXXX XXXX in XXXX and the woman using my identity is still going under the name XXXX XXXX. I have also provided my police report number along with contact information with the police department. I am complaining for two reasons. First, there is no reason why this is not being removed from my credit report with all of the evidence I have provided that clearly shows this is no my account. Secondly, if my credit is frozen with all credit bureaus how is this person continuously able to open accounts in my name?
Consumer complaint received 2023-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

XX/XX/ made a deposit of {$9.00} to my daughter 's capital one bank account. I transfered from my external checking account. It posted as clear transfer from my external checking account but was never deposited into my daughter 's account. I called to dispute.
Consumer complaint received 2023-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (OR)

This is a response to complaints XXXX XXXX XXXX in which we felt that we were given an incorrect payoff amount and charged grossly injust late fees and extension fees. In addition, there were seveal unapplied payments that have not yet been reimbursed. 

There was also an issue with the escrow account in which BSI recorded that they paid the outstanding taxes out of escrow in the amount of {$12000.00}, but we have provided proof that they only paid {$10000.00} to the tax authorities. The difference owed to us is {$2600.00}. 

They did state in their last response that they did miss the unapplied payments, and I am assuming they are going to refund those payments for {$6800.00}. We are asking for confirmation on that refund and an expected time of delivery. 

We are also asking for the unpaid taxes to be refunded to us in the amount of XXXX. 

That will be a total refund of {$9500.00}. 

We still feel that the unjust and deceptive late fees still need to be reviewed, but this complaint if focusing on the unapplied payments and the under paid taxes. 

Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-27
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: R & B Corporation of Virginia (CA)

Dear Sir and Madam, I just got call from XXXX, the caller said personal, business matter and she said already have all my information. So the caller want to verify my date of birth and Social Security Number. I said I cant give to you my personal information and ask her what is the reason verify my information. The caller keep saying personal and business matter and no explanation. 
The caller constantly ask what is my birthday and SSN. I feel she threatened me because she keep saying already my information she have. 
I realize no one ask personal information via phone or email even governor staff. 
Please investigate it why they ask the personal information through the phone even personal, business matter with customers. 
Sincerely yours,
Consumer complaint received 2024-09-09
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Chime Financial Inc (GA)

On XX/XX/year> I had to close my account with chime Bank because they wouldn't help keep my account safe funds in my account of XXXX were suppose to be sent to me by XX/XX/XXXX I never received the check. I waited another week was XX/XX/year> and spoke with a supervisor whom stated to me that a check will be expedited to me with 5 business days and that I'll receive an email with 48 after the XXXX of XXXX to confirm a date for my check to be mailed I never received that email, I called again XX/XX/XXXX and a representative hung up on me because I wanted information about my money. It looks to me as of they have no plans of sending money that if rightfully mine.
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (CA)

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. WELLS FARGO CARD SER XXXX
Consumer complaint received 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I AM A VICTIM OF IDENTIFY THEFT AND I WOULD LIKE TO GET SOME FRAUDULENT ACCOUNTS REMOVED AND BLOCKED DUE TO FRAUD. ACCORDING TO UNDER 15 U.S.C AND 1681i ( FCRA ) YOU ARE REQUIRED TO REPORT ONLY ACCURATE INFORMATION.