davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
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. (FL)

I hope this letter finds you well. I am writing to bring to your attention a serious violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies, by certain creditors listed on my credit report.

According to Section 1681s2 ( b ), furnishers of information to consumer reporting agencies, such as the creditors in question, have a legal duty to provide accurate and complete information. However, after careful review, I have identified multiple discrepancies and inaccuracies in the reporting of the following accounts : XXXX XXXX XXXX XXXX XXXXXXXX ] : The reported balance and payment history of this account are incorrect and do not align with my records. I have documentation, including account statements and payment receipts, that substantiate my claims. This violation undermines the integrity and accuracy of my credit report.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

My name is XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint regarding a distressing experience I have encountered with Wells Fargo, a bank where I have been a loyal customer for many years. Without any prior notice or explanation, my bank account was abruptly closed by Wells Fargo. This unexpected action has severely impacted my financial stability, as I relied on my account for the autopayment of critical bills, such as my mortgage. 

The closure of my account has resulted in delayed payments, damaging my credit score and accumulating significant debt. This situation has caused immense stress and financial hardship, undermining my ability to provide for my family as a single mother of three.

I am deeply concerned about the lack of communication and transparency regarding the closure of my account. Additionally, I suspect that there may be discriminatory reasons influencing this decision due to my XXXX background, which I urge you to investigate thoroughly. 

I am seeking the assistance of the Consumer Financial Protection Bureau to ensure a fair investigation into this matter and to advocate for a resolution that can alleviate the financial burdens unfairly placed upon me by this situation. 

Thank you for your attention and support in addressing this urgent matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX ---
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX
Consumer complaint received 2024-10-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc. (PR)

This debt collection company contacts me, calls, and sends collection letters for a credit card debt that is not mine. I asked for evidence about the account and as of today, I have not received the evidence or the validity of the account. 
accounts are credit card XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CO)

logged into my amex account, there was an offer for 30 % transfer bonus to XXXX honors. XXXX points for XXXX hilton honors instead of the typical XXXX for XXXX i transferred XXXX points for XXXX hilton points. transfer went thru, i only received XXXX points. i messaged and they said the bonus points take longer. i waited several weeks, nothing. i called and they said they would look into it again, no change or communication. i called again they said i wasnt offered the bonus even though it was clearly listed on the site when i was logged in. i had to prove i was offered it, i sent pictures that showed the entire transaction. a week went by and no change. they said again they investigated and the offer was not made to me. i told them i sent multiple pictures that showed my account, my hilton honors number, the transaction showing the expected points, i told them i have proof plain as day that i was made the offer. we argued for XXXX minutes and they said they would look at the pictures again. can provi
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (IL)

Im a victim of identity theft which has hinder me and my family in multiple ways. I was out of the country and got detained because someone committed a crime went to jail under my name birth day and social. This person have committed so many crimes under my name and I just want it to end. Custome released me after me and the impersonator finger prints didnt match. They have gotten cars, apartments, homes, credit cards and collected a lot of debt in my name.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I always meet my payment deadlines, so I dont understand why this company reports me as late. USC 1666b says billing mistakes must be corrected, and my account should reflect " paid as agreed. ''
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX Case Number : XXXX XXXX XXXX XXXX  Case Number : XXXX XXXX XXXX XXXX  Case Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX Collection : XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX Inquiries XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XXXX XX/XX/XXXX Personal Info : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX Name : XXXX XXXX XXXX
Consumer complaint received 2024-10-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-09-04
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. (TX)

To Whom It May Concern, This is a formal demand for a detailed explanation of the steps your agency has taken to ensure the accuracy of the items listed below under 15 U.S.C. 1681i ( 7 ) Method of Verification. As mandated by law, a consumer reporting agency is required to provide, within 15 days of my request, a comprehensive description of the procedure used to determine the accuracy and completeness of the information in my credit report. This includes the name, address, and telephone number of any furnisher of information contacted during the reinvestigation. Previously, I informed your company that I am a victim of a data breach and identity theft, and I filed an official report with the Federal Trade Commission ( FTC ), which I have attached for your reference. I demanded that all fraudulent information be immediately blocked and removed from my credit report, yet you have failed to comply. The following fraudulent items remain on my report, which is unacceptable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed in this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed in this payment history. Else, DELETE this account immediately!
Consumer complaint received 2024-10-08
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: CREDIT ACCEPTANCE CORPORATION (TX)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX  Texas Laws Dear CREDITACPT, I am writing to address the blatant violation concerning 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 ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 . 

It has come to my attention that CREDITACPT 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 consent of the consumer is required for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Texas state law, particularly Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair and accurate reporting of consumer credit information. Identity fraud laws, such as Texas Penal Code Section 32.51, also underscore the severity of unauthorized access and misuse of personal information.

I assert with absolute certainty that I have not provided consent for CREDITACPT to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, resulting in potential harm to my creditworthiness and showing disregard for both federal and state laws.

I demand that CREDITACPT immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be regarded as willful noncompliance, subject to penalties under applicable laws, including identity fraud statutes.

Obtaining consumer consent is not a discretionary choice but a legal requirement under the FCRA, Texas state law, and identity fraud provisions. This communication is a demand for compliance, not a negotiation, to protect my rights as a consumer from unauthorized and harmful credit reporting.

I expect your immediate attention to this matter and anticipate that CREDITACPT will swiftly rectify these violations, ensuring full adherence to both federal and state regulations. 

Done in good faith.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NY)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Bank # XXXX ; Account name : XXXX XXXX # XXXX, has violated my rights. 

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-26
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. (NJ)

Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within XXXX days. Enclosed are supporting documents.
Consumer complaint received 2024-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

I previously asked to investigation on this account asking this company to provide me with the contract this was used to open the account so i can add the information to my police report I wasn't given anything. I read that under the fair credit reporting act that I have a right to ask for removal of any account that was opened in my name fraudulently in my name to be remove pending the outcome of this investigation.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

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. 
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 XXXXXXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (NY)

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I've blocked this company changed debit cards and pins yet these charges keep popping up on my account the company has no web or business address and I don't even know what services are provided. I contact also my online banking institution " Current '' they say the will investigate but can't stop the charges.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

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

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX, has violated my rights. 15 U.S.C. 1681Section 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (GA)

VALIDATION AND CEASE AND DESIST Dear Sr : or Madame I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 

ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt.