davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-03
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. (NJ)

I am deeply concerned that you have included the information below in my consumer file and have failed to maintain reasonable procedures to ensure maximum possible accuracy in the credit reports you publish, in violation of the Fair Credit Reporting Acts compliance procedures section, 15 USC 1681e ( b ).

I have contacted the Federal Trade Commission and filed a complaint, as detailed in the attached documentation. Please block and remove all inaccurate information from my credit report and send me an updated copy. By law, the listed items are a result of fraud and were not authorized by me The Fair Credit Reporting Acts Block of Information section, 15 USC 1681c-2, the law clearly states : ( a ) BLOCK Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

If you do not initiate an investigation regarding my dispute and delete this information within four business days of receiving this notice, as mandated by 15 USC 1681c-2 under the Fair Credit Reporting Act, I will be compelled to take legal action to protect my credit rating and myself. Each violation of the FCRA entitles me to damages of {$1000.00}, which will be pursued in court if necessary.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2023-08-09
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. (CA)

These following account, inquiries and personal information are all incorrect Please delete. 
collection 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 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
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

A claim was filed in the amount of XXXX to Wells Fargo XXXX XXXX in late XXXX. initially some of the transactions that were involved in the file were from XX/XX/year> and did not align with the first fraudulent transactions that were made XXXX XX/XX/year> in the same locations in the same amounts from the same gas station and city. This mistake was made due to a fraud investigator lumping together all the XXXX transactions rather than just XXXX transactions that were in that same city and same time frame. The other transactions were not thoroughly investigated and were taken into the file which caused the range of time to be longer than the policy of 60 days that is the expected limit of time to take action if there is fraudulent charges that can be credited back for. The claim was denied, closed, and I was not credited for the amount disputed. I called back XXXX separate times to get a report of the claim and reopen the investigation due to an error in filing the corrected transactions that should have been disputed, and was unable to get the fraud department to send that over.
Consumer complaint received 2024-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Id originally set up a settlement for the XXXX and last day of each month. Up until this most recent expected payment date ( XX/XX/XXXX ) did the payment not come out. I called Portfolio Recovery Associates to see why they hadnt drafted the payment ( no notice or attempt visible with my bank ). PRA stated the payment was attempted on XX/XX/XXXX and returned on XX/XX/XXXX. Additionally, their online portal shows where theres only one more payment left that would resolve my account. Over the phone they are saying a payment was missing, online its showing the account is current with no option to make an additional payment other than the final payment left to resolve the account. 

I spoke to XXXX XXXX who insinuated she wouldnt allow me access to the modify payment arrangement options online ( was in fear of this actually working due to system discrepancies ) because I wanted to file a complaint with the CFPB about this and was accusing PRA of wrongdoing. I let her know because they were unwilling to look into system issues and provide me a clear account of what has happened and what is owed, I felt uncomfortable completing the arrangement before I might hear back from the CFPB since she was saying there was no option to resolve further with PRA. She then said she was going to cancel my entire settlement and I would owe the original balance all over again ( meaning the on time payments Id already made wouldnt matter and I would have to start all over again ) and accused me of being broke and lying about these issues because I didnt have the money for the payment.

She told me she was willing to push the last payment in exchange for a payment today and said she was transferring me to someone else for the payment and disconnected the call and never attempted to call me back. I have to manually call back, and speak to another supervisor named XXXX XXXX who confirmed XXXX XXXX didnt do what she said she was going to do, and XXXX XXXX was able to make the payment without transferring me, and gave me additional options to help me resolve that XXXX XXXX never mentioned.
Consumer complaint received 2024-08-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (IL)

This company sent an itemized list of charges and items that are not mine and I did not sign a contract with the company that is reporting that I owe them. 15 U.S. Code 1692c, also known as the Fair Debt Collection Practices Act ( FDCPA ), regulates how debt collectors can communicate with consumers about debt collection. The law states that debt collectors can only communicate with consumers if they have the consumer 's prior consent or a court order. Debt collectors can not communicate with consumers at inconvenient times or places, and they must stop communicating if the consumer requests in writing. Debt collectors also can not communicate with third parties without the consumer 's consent.
Consumer complaint received 2024-07-04
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. (HI)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 

XXXX XXXX : XXXX. XXXX, XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX
Consumer complaint received 2024-07-04
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. (IL)

XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/2022 and a balance of {$730.00}. 
I previously disputed this account stating : ''I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
Consumer complaint received 2024-07-04
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. (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 2024-07-04
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 2024-07-04
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. (PA)

XXXX XXXX I contacted XXXX XXXX XXXXXXXX, XXXX regarding their account on my consumer report. I requested a validation letter, verification, any and or disclosures or signatures stating account ownership. CFPB COMPLAINT ID : XXXX None of the documentation was provided. I request for this account to be removed from my account. I have consumer rights, anything information on consumer report must be accurate and complete. I have consumer privacy rights. 

FTC ACT FCRA ACT THE TRUTH LENDING ACT PLEASE REMOVE THIS ACCOUNT FROM MY CONSUMED REPORT IMMEDIATELY.
Consumer complaint received 2023-04-03
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. (IL)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX To Whom It May Concern : This is concerning Account Number : XXXX. 

I previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was a copy of alleged account information. This does not begin to fulfill my information request and your requirement to provide the requested documentation. Your effort is inadequate and does not meet Federal Trade Commission debt validation guidelines. 

The FTC has noted that providing a copy of a printout, bill, or alleged account documents does not constitute validation. Mere itemization of what you already have does not accomplish my requested debt validation. 

This is my second request. Please provide me with ALL of the following points of information : Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations in Illinois has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent or Agent of Service. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by bringing this issue before a judge. 

I intend to take all legal steps available to me if I do not hear back from you.
Consumer complaint received 2024-07-04
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: Experian Information Solutions Inc. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-04
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: Experian Information Solutions Inc. (FL)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-03
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)

My name 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 2024-07-04
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. (NY)

I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX # XXXX Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2024-07-04
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: Experian Information Solutions Inc. (FL)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I am writing to formally request the removal of unauthorized hard inquiries from my credit reports. On XX/XX/year>, several hard inquiries were made on my credit reports with all three major credit reporting agencies ( Experian, XXXX, and XXXX ), which I did not authorize. 

Details of the unauthorized hard inquiries are as follows : Date of Inquiry : XX/XX/year>. Companies listed : 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 of XXXX XXXX XXXX XXXX XXXX Experian, XXXX, XXXX These inquiries were not initiated by me, and I did not apply for any new credit or authorize any third parties to access my credit information on the mentioned date. The presence of these hard inquiries has negatively impacted my XXXX XXXX, and I kindly request your assistance in having them removed. 
According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Right to Financial Privacy Act ( 15 U.S.C. 6801 et seq. ), consumers have the right to dispute any inaccurate or unauthorized information on their credit reports and to protect the privacy of their personal financial information. I am exercising these rights to dispute the aforementioned unauthorized hard inquiries.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a XXXX  for that because my cards will just get declined due to my credit score being low with all these wrong information.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Certainly! Here 's the rewritten version of your statement : I consistently made on-time payments, paid off the lease early, and returned the vehicle ahead of schedule. I paid the full amount up to the last day of the lease. However, upon checking my credit report last week, I noticed a charge-off related to the leased vehicle, appearing XXXX years after the lease ended. When I called last week, I was informed that the charge-off was due to wear and tear on the vehicle. 

I had purchased warranties for wear and tear, as well as interior and exterior protection from the dealership. When I returned the vehicle, the dealership confirmed that everything was in good condition and assured me there would be no additional charges. 

When I contacted the dealership, which still exists, I was informed that it had changed ownership more than XXXX years ago and that the documents would be with the previous owner. Upon reaching out to the previous owner, I was told that all documents were either transferred to the new ownership or to XXXX itself. 

The account shows a charge-off, with {$2300.00} written off and {$2300.00} past due as of XX/XX/2024, despite never being late on payments.