davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
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. (CA)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2024-09-11
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)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for reference
Consumer complaint received 2024-10-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

This company is violating my rights they have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. 

I made previous attempts to fix these issues directly with them and they are violating my rights. I'm entitled to {$1000.00} for every violation I listed, They either pay me or delete these accounts ASAP
Consumer complaint received 2024-09-11
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. (NC)

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. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I have been trying to make a large purchase with my debit card for a few days. I have called multiple times to authorize the charges and USAA refuses to unfreeze my card despite me having confirmed ALL MY INFORMATION. They continue to refuse to unfreeze my account.
Consumer complaint received 2024-08-19
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: EQUIFAX, INC. (OH)

I am writing to express my serious concern regarding the disputed accounts on my credit report. Despite multiple attempts to address the inaccuracies in these accounts and my consistent requests for a thorough investigation, I have yet to receive any resolution or corrective action. These erroneous accounts are significantly damaging my credit file and severely impacting my ability to live a normal life. 

The negative consequences of these inaccuracies have caused considerable hardship for me, and I am now urgently seeking your assistance in rectifying this situation. I respectfully request that you conduct a comprehensive investigation into each of the disputed accounts and take the necessary steps to update and correct my credit report without further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control of my financial well-being. I strongly urge you to give this matter your immediate attention and take swift action. 

Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-09-11
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)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off and collections. I have tried numerous times to have this situation resolved with no resolutions. 
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 2024-11-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NAVY FEDERAL CREDIT UNION (MO)

I received mail recently from Navy Federal attempting to collect a debt. Unfortunately, the way they communicated with me through the mail while attempting to collect a debt violated my federally protected consumer rights. They violated the Privacy act of 1974, 15 USC 1692b-5, and other laws that protects consumers. I will attach my proof below.
Consumer complaint received 2024-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NJ)

Fraudulent purchases were made on my credit card ( Citi ATT Universal Mastercard ) I reported them immediately to Citi and was told I would receive provisional credit for the disputed transactions and they would cancel the old credit card and issue a new card. Two days later transactions began disappearing and reappearing on my account. I was not able to get through to the fraud department or customer support because they were doing a systems upgrade ( received a panicked sounding recorded phone message after waiting on hold ). The next day I looked at my account and saw that the dispute flag was removed from the largest fraudulent charge and the provisional credit was removed from all but one of the disputed transactions. Additionally, two transactions, one fraudulent and one legitimate were duplicated. I called the fraud department again and spent 1 1/2 hours being passed from one poorly trained person to another who could not understand what the problem with the account is. I was told that the fraudulent transactions would take 1-2 billing cycles to investigate which would mean I will have {$2000.00} of fraudulent and duplicate transactions will be removed from my bank account.

After being transferred from one poorly trained representative to another for an hour and a half, my call was disconnected and no attempt was made to call me back. These fraudulent transactions are being dealt with by Citi with no care or concern for the severity of the situation. There is no evidence anyone is even working on these disputes. This is shocking to me given that I have had this card for 34 years and have never experienced anything like this with them. Something has clearly changed with Citi 's credit card team.
Consumer complaint received 2024-09-11
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. (CA)

I have loan with XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & I, d like this matter handled ASAP. Please update to paid agreed/never late. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I asked that this dispute be re investigation by Experian and the following violations be address XXXX XXXX violation 15 U.S. Code 1692g validation of debts. Consumer request copy of sign credit card agreement to this debt. XXXX  XXXX violation 15 U.S.C. code 1601 failed to provide Truth and Lending Act to consumers. Experian violated Fair credit reporting Act failure to provide consumer with information stated how they verify this debt. On XX/XX/XXXX Experian stated in response verified however none of the violations are address by XXXX XXXX  and know validate of debt provided to this consumer. Experian stated per our phone called on XX/XX/XXXX it the consumer responsible to obtain the validation documentation from the original creditor. XXXX XXXXXXXX has failed to submit any documentation or validation this debt and Experian has allow this original creditor violation the law. Consumer request re investigation and the following document submit with 30 day from the original creditor or deleted from from credit report.
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

For the past two months, there has been issues with the Walmart card purchases have made that I have not made or the statement is wrong. I went to Walmart twice in XXXX and I was charged twice for a purchase, I called and told customer service I did not make {$19.00}. Now I made another purchase for {$14.00} and now I am charged {$16.00} for a purchase I have not made. 

There is an issue with Walmart 's credit card charging me with purchases I have not made and it is time-consuming to call when there is an issue on a constant basis.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AZ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX  score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (CA)

Notice : Cease and Desist Pursuant to 15 USC 1692 c ( c ) ATTN : To whom it may concern : I, XXXX XXXX XXXX Consumer and Natural Person, have been made aware that Affirm Inc has committed multiple violations of Federal Consumer Protection Laws. 


The Truth In Lending Act The Fair Debt Collections Practices Act The Fair Credit Reporting Act 1. I, XXXX XXXX XXXX, dispute any alleged debt from Affirm Inc and all Financial Services. 
2. I, XXXX XXXX XXXX, request validation of debt via audit trail pursuant to 5 USC 552 a ( d ), including all documents, but not limited to signed credit applications, assignments, purchases of debt, ledger of account and other documents relating to the consumer for review and validation.

3. Zero out balances and all funds paid by the consumer, XXXX XXXX XXXX to Affirm Inc and returned to the consumer, XXXX XXXX XXXX, including down payments and monthly payments. 
4. Remove all negative statements about the consumer, XXXX XXXX XXXX, via credit reports, including late payments and derogatory remarks. 
5. Pay damages pursuant to 15 USC 1611 criminal liability {$2500.00} per violation.

6. Return the title, with no lien, to the original creditor, XXXX XXXX XXXX. 
7. Cease communications and use of my intellectual property, unless pertaining to the validation of the alleged debt or remedy for violations committed against me. Any further communication with the consumer, XXXX XXXX XXXX, must be in writing, delivered via mail to the address on file. 



This is a Cease and Desist notice pursuant to the Fair Debt Collections Practices Act FDCPA. Failure to honor my demands and provide proper validation of the alleged debt within 10 days of this notice will ; A. Be taken as tacit agreement to the claims set forth B. Grant consumer all demands and remedies C. May result in litigation ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, 825 F.3d 317, 325-26 ( 7th Cir. 2016 ) Assignees who are debt collectors are responsible for the actions of those collecting on their behalf ; siding policies, 225 F. 3d at 404-05. 




Respectfully, XXXX XXXX XXXX
Consumer complaint received 2024-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

This account was charged off XXXX XXXX XXXX Account number : XXXX However, since then, the account has been repeatedly updated as charged off every month. These updates inaccurately reflect the payment history and falsely manipulate the statute of limitations on this account. 
Despite my previous requests to investigate this matter, this issue has not been properly addressed. Your continued neglect to correct this information is unacceptable. Therefore, I am demanding the immediate deletion of this account from my credit report.
Consumer complaint received 2024-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (GA)

I thought this was a scam for years. They contacted me back in XXXX claiming I owed hospital bills, which was extremely alarming since I have had health insurance my entire life ( tricare ) and the hospital they provided has all of my information. Ive never had any issues with payment to the hospital they claimed to be taking money from. The harasser calling me claimed to not have my insurance information although I provided it to the hospital and the hospital did charge my insurance for those dates. The harasser never provided anything in writing about the money they claim I owe and they've been calling for years using curse words, yelling through the phone every time I ask them to provide me something in writing that I owe anything because Ive never even heard of this company. I have never opened a line of credit with this company, Ive never signed anything issued from this company, and I dont owe this company anything. Today, I received a collection on my credit for this company and its completely fraudulent, they shouldnt be able to do this to good tax paying Americans. I still have not received anything in writing from this company proving I owe a debt, the first conversation I told them I have health insurance and the hospital already processed this but they still keep harassing me and now theyve fraudulently put this collection on my credit.
Consumer complaint received 2024-11-01
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. (TX)

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report, as I am a victim of a data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : 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 2024-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CORELOGIC INC (NY)

I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.