davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

When i moved out of apartment, i paid the final bill and have an email proff from apartment showing it is paid and XXXX balance. But they mistakely sent it for collection as well. Now the apartment company points finger to debt collector saying I have already paid and should not be any debt. Debt collector won't remove negative impact on my credit and says i need to pay the amount period. Also won't stop calling me to collect the money. I can provide email proof where needed.
Consumer complaint received 2024-09-05
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. (TX)

It is Thursday XX/XX/XXXX when a debt collector called me I usually ignore these type of calls because I always think they are SPAM calls, but right after I always check my credit report. This time I saw my credit go down and due to a fraudulent account that was open, now I am in the process to fix this identity theft problem.
Consumer complaint received 2023-10-27
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (FL)

15 U.S.C 1681 ( a ) you are in violation of my rights to privacy and information I want to be private that's posted on my consumer reports is a violation of my privacy, Infringed upon my right of privacy. Please investigate that this account because it is not reporting 100 % accurate information there are so many errors within this account and this is a violation of FCRA. This account is unverifiable and inaccurate information, please investigate that this account is reporting 100 accurate due to the fact that this account with the DEPT OF ED/AIDVANTAGE account number XXXX has been listed as a duplicate several times on my report. As a consumer by law these accounts on this claim must be deleted immediately.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (MI)

Dear LexisNexis & XXXX XXXX XXXX I verified and authenticated myself months ago and I have to documents that was mailed to me to provide proof of that. I verified myself and my phone number over the phone and online. It wasn't until I requested another consumer report and I accidentally entered my wrong DRIVER LICENSE NUMBER ( XXXX XXXX XXXX ) Issued In Pennsylvania This has effected my case with CFPB and XXXX XXXX XXXX because I don't no longer hold access to the phone # ( XXXX ) XXXX. My phone # has been XXXX for years now. 
I was approved for Auto Loan and I received check from XXXX XXXX XXXX XXXX and sent to the private seller XXXX XXXX. XXXX Deposit the check with XXXX XXXX XXXX XXXX  for {$25000.00} and they put the funds on hold and closed her account. They claim not being able to verify my Phone number XXXX. I called LexisNexis and they told me there wasnt no number on file, my previous number was XXXX but its not in service anymore. I recently checked XXXX XXXX and they told me my phone number is under my name according to they data. XXXX claimed to be able to Verify with XXXX XXXX  but not my number which is COMPLETELY FRUSTRATING BECAUSE I AM CARLESS and now I Have to pay off a AUTO LOAN EVERY MONTH WHEN I DONT EVEN HAVE THE XXXX XXXX XXXX XXXX Never receive the funds. I EVEN CALLED XXXX XXXX XXXX XXXX and they told me the check had been cashed with XXXX  and it had been verified but its XXXX  end who is not releasing & holding the funds
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2023-12-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: U.S. BANCORP (TN)

This is in regards to my original complaint, dated XX/XX/2023. Complaint number : XXXX. NOBODY IS READING MY ACTUAL COMPLAINT. I received XXXX letters from XXXX Bank denying my claim because the transactions posted successfully as I had initially requested. The issue is that I paid for services from a contractor that I have not received. I am writing this complaint to once again explain that I have paid a contractor for services not rendered. At the direction of the contractor, I did not pay him directly - I paid someone who he claimed is his wife. The contractor refused to provide vital pieces of information about his business after failing to perform services as agreed. I have paid XXXX XXXX at the direction of XXXX XXXX, owner of XXXX XXXX. XXXX was supposed to perform services after receiving a sum of {$1700.00}. He confirmed receipt of the funds and failed to begin the job as agreed. I would like an actual human being to read and understand what has been explained in plain XXXX. This is not about whether or not the money transfer was successful - This is about theft and failure to perform services as agreed. If someone needs this further explained, and if required by US Bank I will gladly provide several text messages from both XXXX XXXX, the contractor and myself to confirm the information I have provided is correct. I have been defrauded and I would appreciate my money back as I would like to be made whole. How a bank that is supposed to protect customer funds would allow this kind of thing to continue to go on is beyond me. Please return my money.
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CADENCE BANK (LA)

XX/XX/2023 Good Afternoon : I'm writing in regards to my experience today with a Cadence Bank branch location in XXXX, XXXX. This morning I made a check deposit at the XXXX XXXX Branch with an insurance check on XXXX. The bank teller advised me the funds would be available after midnight. When I returned to work, I contacted XXXX XXXX. Branch and asked if the funds could be released sooner. I held on the line and the teller returned and advised me that XXXX at the XXXX XXXX location told them to place the check on a XXXX hold. I asked if my deposit could be returned and I was told no. And the teller advised me to contact XXXX at the XXXX XXXX branch. I contacted XXXX, and she advised me she told them to place a XXXX hold on the check with no explanation. She later stated that she would release XXXX from the check at midnight as a courtesy. I told her that was fine, and released the line. XXXX then calls me back XXXX hours later and informs me the check I deposited was fraudulent, and a friend of hers at XXXX  XXXX XXXX and she told her the insurance company that issued the check did not have an account and she accused me of depositing a fraudulent check. I contacted the insurance company and again was advised the check was valid. I called XXXX again, and explained to her I had spoken with the insurance company and the check was legitimate. XXXX laughed and told me she didn't know what to tell me. She also stated that she had placed my account on a permanent hold. I reached back out to the insurance company again, this time I spoke with XXXX in the Finance Department for XXXX XXXX. She verified the check and contacted XXXX  XXXX XXXX and could not understand where XXXX obtained the information that the check was fraudulent. I also contacted Cadence Bank customer service and was advised that XXXX had closed my checking account. XXXX XXXX XXXX decided to contact XXXX at the branch location to attempt to resolve this issue. However, my issue with the matter is I don't understand how Cadence Bank could accuse a customer of fraudulently depositing a check, and how is a bank employee able to contact a friend at another bank to verify check information. What is the banking procedure regarding this matter on deposits, check verification, communication with consumers, and account closures. I am extremely displeased with how I was treated today, and would like someone to investigate this matter. My name is XXXX XXXX XXXX XXXX, XXXX. 

Thank you.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-10-03
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (MI)

XXXX debt collection company has been spam calling my phone from hidden numbers and blocked numbers. Ive asked for proof that the debt is mine and belongs to me which I have yet to receive from the company via email and phone. When they sent their first email I requested to not be contacted any further. Theyve been contacting me via email and phone claiming that I owe over {$600.00} to them from my Ulta card. My card had been used to purchase items that never were successfully delivered to me, therefore I am requesting proof of purchase since all deliveries required signature on delivery. I am willing to pay the fees if the debt can be proven as mine. 

But I do feel this company XXXX and Ultas Commenity bank has been repeatedly harassing me and XXXX  have even threatened me with various deceptive and false statements such as telling me they would have my wages garnished had I not worked to pay them or came to an agreement with them. XXXX  was very difficult to work with and come to agreements with .The company continually has violated FDCPA. Their means of communicating and contacting are very abusive, harassing and oppressive. When it was expressed that I was having a difficult time following and understanding the workers were very hostile and rude. They did not politely help me come to an understanding of what was being asked of me. In fact, when I asked questions the workers would get angry. They stated calls were recording so hopefully it can be reviewed for quality purposes.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (WI)

XX/XX/XXXX received phone call, confirmed contact info and relieved a letter stating they were a collection firm on behalf of us bank for a credit card opened in XXXX. This is a fraudulent charge, in no way is the account mine. I do not use us bank. They called me multiple times with threatening voice-mail, appealed for me to settle outside of court, said to expect to be served, and also called my mother with a threatening voice-mail. They sent an email of a " demand notice '' for me to sign to confirm. I did not do that or take further action with fjs. 

I spoke to us bank, they have no history of me having an account with them. The company that called me claims they are XXXX global - website : https : //fjsglobalcollect.com/ Phone number : XXXX
Consumer complaint received 2023-10-03
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. (MS)

On XXXX a letter was sent to XXXX in regards to incorrect reporting of 4 accounts. They were reporting a past due balance on an account that has been closed since XXXX as well as the dates did not match up with the dates on of the accounts and status provided by Experian and XXXX I have not received a response and it is now XX/XX/XXXX I am now requesting they be removed. The last dates of activity, last payment dates and even dates the accounts were closed and were open do not match, I also sent proof and the errors as well along with proof of my identity.
Consumer complaint received 2024-07-01
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. (LA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DigniFi (NV)

I was victim of identity theft back in XXXX. I file reports online and with the police department. At the time I only dealt with credit report from XXXX. After investigation accounts were taken off credit report. I wasnt thinking I had to dispute with all reporting agencies. After requesting credit report from XXXX, some of the accounts were still on XXXX, so I went and got a copy of the police report and sent it to XXXX XXXX to dispute accounts. Matter was investigated, and items were taken off my credit report from XXXX. Dignifi reported account again, and item was reinstated on my credit report. Ive lived in the same residence since XXXX. Ive had my same phone number since XXXX. I have money and I dont need to request a loan for anything. Dignifi cant produce contract I signed or linked with any address, phone number, or anything Ive been associated with.
Consumer complaint received 2024-08-04
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)

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

Account Number : XXXX XXXX XXXX XXXX : Account # XXXX : Balance : {$31000.00} Account Number : XXXX  XXXX : Account # XXXX : Balance : {$3200.00} Account Number : XXXX  XXXX : Account # XXXX : Balance : {$1100.00} Account Number : XXXX XXXX  : Account # XXXX : Balance : {$31000.00} Account Number : XXXX XXXX  : Account XXXX XXXX : Balance : {$31000.00} Account Number : XXXX  : Account # XXXX : Balance : {$800.00} Account Number : XXXXXXXX XXXX  XXXX : Account # XXXX : XXXX XXXX {$23.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXXXX/XX/year> 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 2024-07-01
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)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney XXXX 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-07-01
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)

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 2024-07-01
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. (AZ)

I am writing to formally dispute the inclusion of certain personal information in my credit report. According to 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), I understand consumer reporting agencies may furnish consumer reports only under specific conditions, including obtaining the consumer 's written consent. 

I have NOT given written consent for Experian, or XXXX to furnish my information for XXXX XXXX XXXX account # XXXX. 

I request that you immediately investigate and remove any personal information that has been included in my credit report without my explicit written consent on this above account. 

Please confirm, in writing, that you have removed this unauthorized information and provide me with an updated copy of my credit report. 

Thank you.
Consumer complaint received 2024-07-01
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. (GA)

To Whom It May Concern : Despite the precise information consumers have provided, I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data file reporting, I have the right to dispute any information on my credit report that I believe is not correct. All data included in a consumer 's file must be properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and financial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. We must ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

Heres the list of the questionable items : XXXXXXXX XXXX XXXX - Account XXXXXXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXXXXXX - Account XXXX XXXX XXXX  - Account XXXX