davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-06
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)

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

XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report and XXXX some things are incomplete and not accurate. 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, as stated in 15 USC 1681 ( e ) ( b ).

Furthermore, under 15 USC 1681i, I am requesting a reinvestigation of this/these item ( s ). Please provide me with a copy of the results of your reinvestigation.

According to 15 USC 1681c-2, if any information disputed by a consumer is found to be inaccurate, incomplete, or can not be verified after reinvestigation, 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.

Additionally, under 15 USC 1681s-2, furnishers of information to credit reporting agencies are required to provide accurate information. They should 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.

According to 15 USC 1681c-5, treatment of inaccurate or unverifiable information requires that after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if 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.
Consumer complaint received 2020-01-03
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cooling & Winter LLC (GA)

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Section 803 ( 6 ) which states that " the term 'debt collector ' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. ", " Cooling and Winter, LLC '' hereinafter referred to as " the XXXX XXXX XXXX '' is a debt collector. On behalf of the XXXX XXXX XXXX, debt collector XXXX XXXX. XXXX filed a lawsuit ( Civil Action No. XXXX XXXX XXXX XXXX ) in XXXX County State Court indicating that he is an attorney which is false and misleading pursuant to FDCPA Section 807 ( 3 ) on XX/XX/2019, on behalf of XXXX XXXX XXXX  ( XXXX ) XXXX. hereinafter referred to as " the Bank '' who is a debt collector pursuant to FDCPA Section 803 ( 6 ). On behalf of the Bank, I was served a summons by the XXXX County Sheriff 's Department who collects debts as a third party on behalf of XXXX County Superior and State Courts hereinafter referred to as " the Debt Collection Courts ''. On behalf of the Debt Collection Courts and the Bank, the service of summons by the XXXX County Sheriff 's Department was unauthorized third party communication to the consumer pursuant to FDCPA Section 805 ( b ). On behalf of the Debt Collection Courts, The XXXX County Sheriff 's Department violated FDCPA Section 807 ( 11 ) by not disclosing in their initial communication with the consumer " that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose ''. XXXX  XXXX XXXX  ( XXXX ) XXXX. ( the Bank ) has violated my rights as a consumer by violating several sections of the Fair Debt Collection Practices Act.
Consumer complaint received 2024-10-30
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)

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breachOF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. 
I am also attaching proof that I was a victim of the XXXX data breach, and I kindly request that this information be considered as part of my claim. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

The Subject : Dispute Stall Tactic Regarding Signed Power of Attorney To Whom It May Concern, I am submitting this complaint due to the consumer reporting agency refusing to process my recent disputes, despite having received a valid and signed Power of Attorney ( POA ) document authorizing my representative to act on my behalf. They have sent a stall letter stating that they will not proceed because they " do not believe the dispute came from me. '' This claim is inaccurate and disregards the POA provided. 

As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and it is unlawful for the credit reporting agency to coerce me into using their online or phone dispute options instead of honoring my submitted disputes. I respectfully request that the consumer reporting agency process my recent disputes as previously submitted. 

Attached are the following supporting documents : My government-issued ID & The signed Power of Attorney document Would you Please investigate this matter and take the necessary steps to ensure my disputes are processed promptly because this is hindering my ability to take care of my family. 

Thank You.
Consumer complaint received 2024-09-13
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. (NC)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.
Consumer complaint received 2024-09-13
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)

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  and list of Inquiries. 

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 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear sir, I have received the notice from above-mentioned office of yours which mentioned the security freeze and submission of identification documents. As I have stated same thing more than a half year, I am under the security freeze due to the incompetency of many agencies which should have the responsibilities of confidentiality of customers ; even though sometimes I wonder whether I asked some of companies to be the agencies after so many troubles with some agencies. Since already I have received many notices from attorneys in several states, I consider myself my identity was proved otherwise I was caught by the authority and forced to return to XXXX which might be happy option. I already asked the person in charge at your headquarters to extend my security freeze permanently, which I am not sure whether it has really happened. To avoid the confusion, I will write other address written in the document sent from your office. XXXX XXXX XXXX XXXX XXXX XXXX The letter was prepared on XX/XX/year>. 
Sincerely,
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/year> while I was driving, Ive checked to my Bank Of America Account and it has been deducted by {$1500.00} ( 5 times withdrawal of {$300.00} on my account ) plus the fee of {$2.00} five times. I immediately called the Bank of America the moment Ive noticed it and they told me they will be giving me temporary credit for that. I am supposed to pay for my rent on the XXXX. My landlord just gave me until today XX/XX/year> to pay for my rent or else I will be evicted with my XXXX XXXX XXXX baby. Bank of America just keep on holding and transferring and transferring me wasting hours of my time just to let me know they can not do something about it and should wait for days!
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

To Whom It May concern : Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I am entitled to an accurate credit report : The Inaccuracies is a violation of my consumer rights. Include 15 USC 1637b consumer law that protects accurate credit reporting. 

Please remove the following from my personal information : 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 XXXXXX/XX/year>
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX Your information may have changed since XX/XX/XXXX View your current credit report Account info Account name XXXX XXXX Account number XXXX Account type Unsecured Responsibility Joint Date opened XX/XX/XXXX Status Discharged through Bankruptcy XXXX  XXXX. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Original balance {$8300.00} Highest balance - Terms 120 Months On record until XX/XX/XXXX Payment history Above account I paid by myself/ my own fund- Not Discharged through Bankruptcy XXXX  XXXX. I paid fully from my bank so I am asking Experian to correct this account but they are not correcting this info. I asked them twice to correct it but no action taken by them so please I am asking you to reach out to them to change it. I will really appreciate it. 

Thank you, XXXX XXXX
Consumer complaint received 2024-08-13
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a claim with Bank of America 's XXXX and was denied for no reason. They said my proof doesn't show it's because my account was frozen that I was evicted and it absolutely does. They say their decision is final and I can't appeal and that makes no sense. Especially since you're not allowed to talk to anyone. Of course Bank of America is going to get a away with what's been done and I'm still XXXX thanks to them.
Consumer complaint received 2024-10-07
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. (CA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} 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 CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PLS GROUP, INC (IL)

i use a debit card from PLS check cashing. if i use credit, i am not charged a dee. if i use debit, wwhich they advise is used by entering your debit pin number, i am charged a fee. because i know this, i limit use of debit, and have merchants run it as credit. 

whaats happening now that ive noticed, is when i use XXXX/XXXX  for transportation, i get the charge for the ride, then, there is an increase of that charge. i called the bank, PLS, and reminded them the contract states by entering your pin number, you subject yourself to a pin debit charge, not by using credit. creddit is when u dont enter your pin number. i am not entering my pin number when using XXXX/XXXX  services, but they are charging me as if i am. once i caught this and told the bank, not only are they unwilling to credit me ALL those extra fees since im not entering my pin number, to maintain the expectations of the contract, but they are telling me to expect that when using XXXX/XXXX, no other company i am aware of so far. so they jusst changed the contract to me, and that ability to avoid debit fees by not entering your pin, applies everywhere except XXXX/XXXX, then i guess whoever else they decide at anytime? this doesnt seem as true, clear, concise or legitimate.
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (GA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2020-01-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Gurstel Law Firm, P.C. (UT)

Settling a complaint that was filed against me in the XXXX Judicial District Court of XXXX County, State of Utah, XXXX XXXX Department. Case : XXXX, Judge : XXXX Plaintiff : XXXX XXXX XXXX XXXX   Attorney for the Plaintiff : Gurstel Law Firm , P.C . 
Phone : XXXX File : XXXX On or about XX/XX/2019 I spoke, over the phone, with Gurstel Law Firm, XXXX XXXX About a settlement. I made an offer and she said that she would submit it. 
She called me back on the morning of XX/XX/2019. With a different settlement offer from Gurstel Law Firm of {$7500.00}. To be paid in monthly payments of {$310.00} for 24 months. 
I agreed to it. Received a stipulation of what was discussed. I signed and returned it via mail on XX/XX/2019. 
After not hearing back from Gurstel, and wanting to insure that the issue was resolved. I went to the court house and looked up the case. I'm including a copy of what I discovered. The settlement amount was changed, After I signed the document, to read {$11000.00} This is a two page document. I signed the back page. Then the front page was switched out to reflect a much higher amount. Then submitted to the court. 

Please compare the quality of the printing of the front page to the back page. They're obviously from two different documents. Pieced together. 

Notice how the required payments of {$310.00} X 24 months = {$7500.00} {$310.00} does not come out evenly with {$11000.00} ( {$11000.00} Divided by {$310.00} = XXXX Months I'm withholding payments until a resolution is reached through either your office, or the court after Gurstel Law Firm reopens the complaint due to noncompliance. 

Can I get a copy of transcripts from my conversations with Gurstel Law Firm?
Consumer complaint received 2020-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC (PA)

I am lodging a formal complaint against gc services debt collector. This debt collector has reported derogatory information on my three credit reports for a debt in the amount of {$2000.00}. This account just appeared on my credit reports without sending me a dunning notice in the mail, which gives me 30 days to dispute validity. This is a violation of the fdcpa/fcra. I have never had an account with XXXX, I've been with XXXX  my whole life. So I don't understand why this company would report derogatory information without contacting me first. I am in the process of purchasing my very first home for my family and I, which this errounous account is now holding me back from accomplishing my dream home. I am requesting this account be deleted from my credit reports immediately. XXXX, and attorney general complaints will be filed if this account isn't removed immediately. Thank you for your time.