davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-18
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. (GA)

In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681. Account name : XXXX/ Account # XXXX, ( XXXX XXXX XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX  XXXX # XXXX ( XXXX XXXX  XXXX # XXXX ) U.S.C 1681 Section 602A. States i have the right to privacy 15 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c Section ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following item 's information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 ( s-2 ) ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (IL)

I am REWRITING to complaint CB/XXXX  about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (MS)

Based on, 15 U.S code 1681c-2 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.

Under 15 US code 1681 e ( b ) & 15 US code 1681i ( 5 ) this account is in violation of not reporting 100 % accurate.

In accordance with Fair Credit Reporting Act, the list of accounts have violated my federally protected consumer rights.

Pursuant 15 USC 1681 Section 602 A states I have rights to privacy Pursuant 15 USC 1681 Section 604 A Section 2, it states a consumer reporting agency can not furnish an account without my written instructions. 

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims & will require you to delete all of listed items above. You are required to do what I'm asking and block these transactions from being reported to my consumer report WITHIN 4 days from the date of the receipt of this notice I LOOK FORWARD TO YOUR RESPONSE. 

RESOLUTION Delete these accounts unless you want to be held accountable for {$1000.00} per account.
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (TX)

On my credit report, I discovered that a Barclays credit card account had been opened on XX/XX/year>, without my consent. The card has a {$10000.00} limit, and {$8600.00} was immediately charged to the account, according to all credit bureaus. I informed Barclays over the phone that it was a bogus account and that I had not given anyone authorization to open it. I ask for the account to be closed and deleted off my credit report right away because it is a fraudulentaccountand I am not able to access it. They assured me that they fully understood, that the account would be closed immediately, and that their investigative team would be tasked with looking into the matter. On XX/XX/year>, I received a letter informing me that the account was determined to be valid. I remain responsible toBarclays Bank {$8600.00}, and they will keep reporting the account to credit bureaus as legitimate, which will negatively affect my credit history.I discovered this unauthorized account on XXXX XXXX when I was informed about the account on my credit report, which I immediately disputed with XXXX. Since then, I have been concerned about the potential impact on my credit history and financial security.
Consumer complaint received 2024-08-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

ProCollect began contacting my partner and I via calls to my partner 's phone number in XX/XX/XXXX about a debt they claim I owe to our previous apartment complex, XXXX XXXX XXXX, that we moved out of in XX/XX/XXXX. I spoke to someone at ProCollect on the morning of XX/XX/XXXX, stated that we do not owe the debt, and received information on how I could email them with my documentation. The email was submitted later in the evening on the XXXX. I received no response to the initial email or the follow up I sent on the XXXX requesting confirmation that the documentation had been received. I called and requested confirmation over the phone as well on the XXXX and they said it had been received and would be reviewed by XXXX XXXX XXXX but this could take several days. I spoke to ProCollect again on XX/XX/XXXX and was informed a decision still had not been made. I had requested them to no longer call my phone number or my partner 's phone number and they stated I would receive letters instead. I have received no letters. Since no updates were provided in writing, I assumed the matter had been resolved until I found out on XX/XX/XXXX that the fraudulent collections debt has now been added to mine and my partner 's credit reports. I have submitted disputes with the credit agencies. 

We already paid {$1600.00} in XX/XX/XXXX for the rent and fees due for that month. We do not owe the amount of {$1100.00} to XXXX XXXX XXXX. We have paid all amounts due and are in fact owed, at minimum, {$250.00} as the remainder of our security deposit. They have tried to double bill us for the rent and fees for XX/XX/XXXX and did not acknowledge our attempts to point this out via email in XX/XX/XXXX. We will not be making any further payments to XXXX XXXX XXXX or ProCollect.
Consumer complaint received 2024-08-05
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: Global Lending Services LLC (CA)

Upon checking my credit report I noticed multiple unauthorized inquiries on my credit report I did not authorize due to the fact my wallet was stolen and ID along with my SSN card was stolen. I called XXXX credit reporting agencies today about XXXX as instructed to by my local police department crime report # XXXX and requested that the identity theft unauthorized inquiries be removed immediately and XXXX only removed 2 of them so now I have to dispute unauthorized inquiries with the actual companies are such as follows : XXXX. XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX  3.Global lending services XXXX Remove all unauthorized inquiries thank you for your understanding. 

Attached is a copy of my policy report for the identity theft report.
Consumer complaint received 2024-08-05
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (GA)

Beginning on XX/XX/XXXX, XXXX began contacting me regarding an alleged debt that I owed a former apartment complex, XXXX XXXX XXXX. They repeatedly stated that they sent a letter to my current address and in 15 months of staying here, I have yet to receive that letter. They were very rude, condescending, and belligerent on the phone with me, not allowing me to talk or help me resolve this alleged matter. I requested proof of the debt and I was denied, I asked for payment options and they weren't provided, I was flagged as " refusal to pay '' and that's not what I did. This company is deceptive and I don't believe I owe this debt and want it disputed successfully and removed from my credit report. The company also lied saying that they reviewed the proof that I submitted and they lied to me stating they had a copy of my lease, when that is not valid and they don't have access to it.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (TX)

I have Wells Fargo Autograph VISA credit card. On or about XXXX XX/XX/XXXX, I made purchase for XXXX XXXX XXXX XXXX -in XXXX single transaction. XXXX made around XXXX changes in the flight due to which I can not go and cancelled my XXXX XXXX XXXX weeks prior to departure though XXXX other family members went via united. 
XXXX assured me full refund as those XXXX changes were extreme and due to my job- I simply can not take it. But united rather than refunding my full ticket value to my credit card, XXXX made the refund in the form of XXXX XXXX XXXX- which i never wanted. 
I tried to create dispute with Wells Fargo but online system didn't helped me. Later I called Wells Fargo on XXXX XX/XX/XXXX- talked to XXXX agent. XXXX agent made an excuse that the purchase is more than 6 months so now can not be disputed. XXXX agent made an excuse that the purchase is more than 4 months so now can not be disputed
Consumer complaint received 2024-08-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (MD)

This is regarding ACIMA Holdings, LLC and ACIMA Digital, LLC ( collectively, known as ACIMA ). 
ACIMA offered me loan to purchase furniture at two locations in Maryland. The loan was presented to me at the point of purchase in stores as credit. 
The first loan / furniture value is {$3000.00}. It was issued on XX/XX/XXXX. As of today, I paid {$3800.00}. The unpaid amount on the account is {$4100.00}. This is over XXXX percent interest of principal. 

The second loan / furniture value is {$3200.00}. It was issued on XX/XX/XXXX. As of today, I paid {$3600.00}. The unpaid amount on the account is approximately {$4000.00}. This is over XXXX percent interest of principal. 
After paying over XXXX percent of the loan amount I realized that ACIMA consider that the agreement was a lease. Briefly, I am seeking help because ACIMAs purported leases were presented to me as credit. The merchants who are associated with ACIMA provided to me misleading statement regarding the nature and terms of loan agreements which affected my understanding of the terms and conditions of those agreements. Consequently, misrepresentation of loan agreement by the ACIMA associates effectively locked me into these high-cost financing arrangements by making it difficult to settle the loan even though I paid over XXXX percent of the loan amount. 
On XX/XX/XXXX, I contacted ACIMA customer service to discuss my options to resolve/ settle these loan accounts because I have already paid more than the value of furniture / loan. In addition, on XX/XX/XXXX, I emailed ACIMA customer service to request to settle the loan. However, my request was unsuccessfully. 
I am kindly request your assistance to resolve this debit trap that significantly affects my family wellbeing.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

The credit bureaus are in violation of my consumer rights. 

the reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : XXXXXXXX XXXX opened XX/XX/XXXX XXXXXXXX XXXX opend XX/XX/XXXX XXXXXXXX XXXX opened XX/XX/XXXX XXXXXXXX XXXX opened XX/XX/XXXX 15 U.S. Code 1681i 15 USC 1681e ( b ) ( b ) Accuracy of report 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.
Consumer complaint received 2023-11-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (MA)

My mortgage was transferred to Mr. Cooper from XXXX XXXX in XX/XX/XXXX. Since that time they have not paid my taxes due to the XXXX of XXXX. I received my first late notice from the city in early XX/XX/XXXX, and immediately called Mr. Cooper. I submitted all of the information as directed via email to their escrow/tax subcontractor twice. They still have not paid my taxes ( I called the city this morning, XX/XX/XXXXXXXX and confirmed I am now two tax payments behind ). Mr. Cooper is continuing to charge me escrow. I have contacted Mr. Cooper on six separate occasions and they have not resolved the issue. Part of the issue may be because my condo has a new tax ID as of XX/XX/XXXX. However, all the documentation I provided to Mr. Cooper includes the correct tax ID and I have directly told them to check the tax ID in my communications. As of XX/XX/XXXX ( my third attempt contacting Mr. Cooper ) it is impossible to get through the phone tree to speak to a live person so I have had to use the " chat agent '' feature. On XX/XX/XXXX my case was escalated to a supervisor and I was given an email address for her. I immediately emailed her and provided all the documentation I had plus my written notes on the issue and my attempts to correct it. She responded to my initial email but has not responded since. 

Finally, in the course of all this I noticed that the amount I am charged for escrow is nearly {$100.00} more per month than is needed to pay my taxes. I have raised this issue but have not received a response from Mr. Cooper.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with XXXX was never late! I have had exceptional payment history with 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 XXXX, my XXXX, my mode of XXXX and to my XXXX! 

I demand the late payment reported in XX/XX/2023 to XX/XX/2023 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. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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 2024-06-13
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. (OK)

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 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I am writing to formally request the removal of the bankruptcy information listed on my credit report. I have reviewed my credit report and have identified that the bankruptcy entry is either incorrect. According to the Fair Credit Reporting Act ( FCRA ), it is my right to dispute information that is inaccurate, incomplete, or unverifiable. The specific reasons for my dispute are as follows : The bankruptcy information is incorrect and does not pertain to me.
Consumer complaint received 2024-06-13
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I am writing to formally request the removal of the bankruptcy information listed on my credit report. I have reviewed my credit report and have identified that the bankruptcy entry is either incorrect. According to the Fair Credit Reporting Act ( FCRA ), it is my right to dispute information that is inaccurate, incomplete, or unverifiable. The specific reasons for my dispute are as follows : The bankruptcy information is incorrect and does not pertain to me.
Consumer complaint received 2024-06-13
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: Experian Information Solutions Inc. (TX)

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 2024-06-13
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: Experian Information Solutions Inc. (MI)

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 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (DE)

I attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a paid U.S. Postal Money order. Which clearly states at the bottom that it is a negotiable instrument which I bought and paid for the rights to negotiate it. Money order number XXXX was made with the proper clauses and provision based on banking law in the amount of XXXX in accordance with XXXX Public Law 72-10, U.C.C 3-603 ( b ), U.C.C. 3-311 and public law for negotiable instruments to Discover on XX/XX/year> ( XX/XX/year> ). They accepted my instrument, but did not credit my account correctly. I did call on XX/XX/year> & XX/XX/year> and spoke with XXXX, XXXX, XXXX and XXXX, recording will be attached and they refused to stand in honor of the law by applying the proper payment. Even with the agreeing that they do accept legal tender, which is what I provided. Even with the ability for the instrument to remain negotiable which is an even greater benefit for them. I am filing a complaint and asking for an immediate investigation to rectify the situation without levy so they may remain in honor. As it stands they are committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Account # XXXX To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$670.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. 
Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.
Consumer complaint received 2024-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (CA)

I called to have all the old accounts removed and they wouldn't do it plus, they wanted me to pay for all of them again I want all of them off my credit report now I want all the old accounts off my XXXX credit report now!!!! 
This is XXXX XXXX XXXX my credit scores!!! 
sorry XXXX XXXX XXXX But, this is XXXX XXXX what you people let the credit card companies get away with!!! 
Thanks Take care