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

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX O Date XXXX XXXX XX/XX/XXXX, XXXX AUTO Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of XXXX XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-06-09
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. (CA)

The hard inquiry for this account needs to be removed. There was an investigation after identity theft report, and the account should have not been opened. Investigation ruled in my favor. Any and all history has been removed and the account is closed. The hard inquiry for this account should also be removed. 

Account number XXXX XXXX XXXX Inquiry date XX/XX/scrub>XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-09
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: Experian Information Solutions Inc. (FL)

disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX, XXXX ) in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection AD, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. 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 in the months that I was late 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 in the months that I was late 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2024-06-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (GA)

I have never owned a XXXX XXXX  account. This account is reporting across all three bureaus and I have never had XXXX XXXX  nor have I ever lived in XXXX, GA. The company has provided no debt validation, also any proof that payments were made from accounts that belonged to me.
Consumer complaint received 2019-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED COMMUNITY BANK (NH)

XX/XX/XXXX I made two purchases online : XXXX XXXX   XXXX MD XXXX XXXX XXXX   XXXX MD XXXX The coins I got were fake. I contacted the seller he never responded. I mailed them back. This bank has basically said so far that I either knew they were fake coins and I didn't send them back I'm not sure where they're coming from in their refusal. I guess they don't believe me and that is unacceptable. The complaints will go on until this is completely investigated.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the XXXX credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each item is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-06-08
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TRANSWORLD SYSTEMS INC (WA)

Please see attached email. Shows time and date lapse of TSI to provide consumer with contract between the principal and 3rd party, Transworld Systems Inc, which none were provided and no communication of acknowledgement was produced. TSI no response is considered tacit agreement, acquiescence in the eyes of the law. 5 days was given in regards to information that is to be readily accessible to consumers.
Consumer complaint received 2024-06-10
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. (TX)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2023-07-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Western-Shamrock Corporation (TX)

I applied for and got the loan over a year ago. The reason behind the loan was medical but was told since I had no credit score that this would be on my credit and improve within 3 to 5 months. Never was on my credit and was told they have to tell this to get people to want the loan. My husband and I separated for a short time and during that time I received a message from at the time was a current employee but has since been fired unjustly, saying that her boss XXXX wanted to see me asap that they had info on my husband. I asked them to just tell me and they asked me to come in. The branch manager had gotten my husband from my application and ran his full credit and background and told me every detail and that they had reason to believe he had been trying to leave me for months. I knew everything that was on his credit and neither himself nor I approved this lady to run his credit at that time nor was there a need to run it. I can provide a specific date if need be for them to look at a camera to see they messaged me to come in and show I was there and XXXX was telling me everything from her computer about my husband credit that we did not authorize her to run. I told them a few days ago via email that I would not be paying any longer on my loan due to the lies they told to get me to get the loan and I'm now being harassed already twice daily with phone calls and voice mails. One of which was XXXX wanting to know why she was being threatened by one of my references, which DID NOT THREATEN! They continue to call this one reference over and over. I'm tired of being harassed and this employee and this company should be monitored so they don't check other people 's credits and give them out to others!
Consumer complaint received 2024-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (VA)

XXXX, I went into the store and try to reach. Give them their phone back. They said it was free. They didn't want it after year now. They try to put on my credit report. I did a XXXX XXXX XXXX And I'm trying to build my credit up. I don't need them to destroy. I still have their phone in the box brand new. I have tried XXXX XXXX send this phone back to their warehouse and they have not replied.
Consumer complaint received 2024-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America put a restriction on my account on XX/XX/XXXX. I was no longer able to use my debit card or make withdrawals. I contacted them on XX/XX/XXXX and they told me that the account was frozen but didnt have any information to provide and that I needed to call back in 48 hours. I called again on XX/XX/XXXX asking about the status for me to access my funds and they told me the account is closed but that it takes 48 hours to process and that I should receive a check in the mail. I called again on XX/XX/XXXX to get information on the status of my funds and they told me the account is not closed but that I have restricted acces and that I need to call back Monday XX/XX/XXXX. All of my outgoing scheduled payments have been cancelled on the account, thus I have already missed my mortgage payment and other dues. Nobody has any answers for me.
Consumer complaint received 2024-06-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP 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 2024-06-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (AL)

I recently reviewed my three Consumer Credit Reports and noticed this inaccurate account on my three credit bureaus : XXXX XXXX XXXX XXXX : ACCT # XXXX I was garnished by XXXX XXXXXXXX XXXX XXXX  The debt was paid in full. XXXX XXXX XXXX claims I owe them {$2600.00}. I have been disputing this account for years. 

I mailed XXXX XXXX XXXX XXXX to ask them to investigate, prove, and/or remove the inaccurate account from my three consumer reports that they are illegally reporting, and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 

Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2024-06-08
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (FL)

I am filing this complaint against TD bank due to their failure to provide the required initial privacy notice as mandated by 15 U.S. Code 6803. This violation has resulted in the improper sharing of my nonpublic personal information with consumer reporting agencies without my informed notice. 

Detailed Summary : 1. Lack of Initial Privacy Notice : According to 15 U.S. Code 6803, Td bank is required to provide a clear and conspicuous privacy notice at the inception of our customer relationship. I do not recall receiving such a notice at the start of my relationship with [ Company Name ]. 

2. Violation of Federal Privacy Laws : The absence of this required initial privacy notice constitutes a violation of federal privacy laws. This failure to comply with legal requirements has compromised the transparency and understanding of how my personal information is handled. 

3. Improper Information Sharing : Due to the lack of the required privacy notice, I was not informed about TD bank 's policies and practices regarding the sharing of my nonpublic personal information with consumer reporting agencies and other third parties as allowed under section 6802 ( e ). As a result, TD bank has shared my personal information without providing me with adequate notice.
Consumer complaint received 2024-06-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (TX)

I cancelled my account with XXXX XXXX XXXX and paid my account in full. I received a call around a year later and I explained to the rep that I paid in full and sent her my receipt. She explained that the changed systems and my payment did not transfer over to the new system and that she would take care of it. Now my account is in collections
Consumer complaint received 2024-06-09
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 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 XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello To Whom It May Concern, I have this collection on my transunion report as of XX/XX/year>. I have no idea what in the XXXX XXXX they are talking about. I have received harassing phone calls over the past 6 months. They claim I owe this and that but wouldn't tell me any additional information. I never dealt with this company and have no idea who they are and I do not owe them any money. I have asked to see documents and they have refused. The company name is XXXX XXXX XXXX  for a total of {$1400.00}.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/year> I tried to set up services for XXXX XXXX and they were unable to get a report from Transunion due to them saying I do not have a report with them at all. I have called them on several occasions and they will not fix this issue.
Consumer complaint received 2023-05-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I am filing a complaint and requesting an investigation because of the unethical tactics used by Wells Fargo for years to deny my modification requests for Home Mortgage I should be included in the settlement and be financially compensated like the other customers who were mistreated by Wells Fargo. 

In the beginning of my loan modification process I made several calls and sent documents to Americas Servicing Company ( ASC  ) /Wells Fargos Mortgage Loan Modification department XXXX It always seemed to be a different ASC/Wells Fargo contact on the phone, who would tell me one thing on the phone and then I received letters in the mail that didnt reference or confirm the things they mentioned on the phone. 
I was once told by a Wells Fargo agent that was I approved for a loan modification and I was told to not pay next months mortgage because they were sending my modification documents in the mail. Weeks later I received a letter denying the loan modification and Wells Fargo reported me 30 days late to the credit bureaus. At that point in the process I hadnt missed a mortgage payment and it was the first blemish on my credit report in decades. 
The agents also requested the same documents over and over and then I get a letter stating the documents didnt come in time. After nearly two years of Wells Fargo stating that they didnt receive documents on time and the requests for more and more documents, the same documents over and over again, I recruited the help of the XXXX Home Preservation program to serve as a witness to XXXX XXXX illegal tactics to avoid loan modification. 
In 2010 I began working with XXXX but ASC/Wells Fargo continued to send requests to me directly via mail. I responded and sent documents to Wells Fargo via the XXXX system as proof that documents were submitted and submitted on time.