davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

I have been disputing several accounts with XXXX here are two accounts I have been disputing from Midland Credit Management who has failed to provide debt validation or any information at all but continues to harass me with phone calls and threatening letters. The disputes from XXXX seem to be very quick only taking about 7 days when XXXX states in their website that dispute take around 30 to 45 days which leads me to believe XXXX is not actually investigating disputes this is an ongoing pattern with XXXX. Dispute Report Number XXXX.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2023-12-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIRST AMERICAN FINANCIAL CORPORATION (WA)

On Thursday, XX/XX/XXXX, my husband and I were contacted via email by someone posing as First American Title Company to request funds for closing our home, which was scheduled for Friday, XX/XX/XXXX. They posed as XXXX from First American and included our real estate agent, XXXX, on the email chain as well. All email accounts were fraudulent but looked legit even including a photo of our real estate agent attached to the fraudulent email. During this back and forth communication with " XXXX '', our real estate agent " XXXX '' would chime in as well, which made this scam seem even more real. After receiving the request for funds, we even confirmed the requested amounts with our mortgage broker via a legit phone call. XXXX ( mortgage broker ) called the real XXXX at First American to confirm. At no point were we made aware by XXXX that we were not actually contacted by First American to request funds, which would have tipped us off on this scam. On Friday, XX/XX/XXXX I was contacted by " XXXX '' ( XXXX 's assistant ) via phone and text to discuss the funds we were to send. " XXXX '' stated he was assisting XXXX as she was in meetings for the rest of the day. " XXXX '' does not actually work at First American, which I was not aware of because they knew everything that was being discussed in the fraudulent email chain with XXXX, XXXX, and my husband XXXX. On XX/XX/XXXX I drove to the bank and provided them with the wire instructions that were sent to me from this fraudulent email chain to wire the requested {$24000.00}. The wire instructions included First Americans name and contact info and a local XXXX XXXX  account to wire funds to. At the time, I was not suspicious of any fraudulent activity since they had the correct amount for us to wire, legit names of people involved in our home transaction, our new home address, and knowledge of us closing on our home within days of this request. The wire was sent and the scammers confirmed funds were received. On XX/XX/XXXX, I was contacted again by " XXXX '' stating we needed to send an additional {$2800.00} to ensure we would not be short on closing costs. This did not seem correct to me, but I thought he just miscalculated. I still did not expect fraud. Like before, I contacted our mortgage broker who asked me for " XXXXXXXX XXXX '' contact information to discuss the request. My mortgage broker called me back and stated he XXXX the phone number I sent him for " XXXX '' and the number was linked to an escort service in XXXX XXXX, CA. He then stated, he had no idea who XXXX was in relation to First American Title Company. During this call, we went through the email chain from one week prior where he confirmed that all email addresses used in the chain were not legit and that First American would never email their wire instructions. I called my bank, XXXX XXXX XXXX, to report the fraud, as well as First American Title Company, our real estate agent, and the local police department.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2023-11-08
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. (TN)

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 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

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 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (LA)

I trust this letter finds you in good health. I am writing to bring to your immediate attention a critical matter involving the unauthorized disclosure of my credit information. 
As an individual deeply impacted by my upbringing and surrounding environment, the protection of my personal data holds paramount importance. My unique circumstances have instilled in me a profound awareness of privacy and the crucial necessity for consent in the sharing of sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned.

It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information.
Consumer complaint received 2023-12-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc. (MI)

I contacted Lockhart Morris & Montgomery to discuss the settlement of this debt that is now 5 years old. 

The date of delinquency should be XXXX not XXXX, they refuse to change the status to honor the first date of delinquency and never provided validation information beyond a contract from XXXX that shows the date of XXXX. 

I want a fair settlement with XXXX XXXX XXXX. 

I could no longer attend and complete the program due to a DUI that was incurred when taking the class so had to leave. 

I could not complete employment with XXXX due to to this unfortunate circumstance. 

The inacurrate negative reporting date is not legal based on requirements I have read.
Consumer complaint received 2024-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.
Consumer complaint received 2024-05-07
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)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2023-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mullooly Jeffrey Rooney & Flynn (NY)

On XX/XX/XXXX, at XXXX I talked to XXXX XXXX and disputed a credit card debt. I talked with XXXX, badge # XXXX, and I instructed her to cease and desist all further communication. 

Today I received two letters in the mail from " Mullooly, Jeffrey, Rooney, & Flynn LLP. '' They claim to be lawyers but they make clear in the mailings that they want me to contact a non lawyer, which I find odd. Additionally no one picks up the phone number they list, and as far as I can tell they do not have any publicly facing phone number with an actual office and secretary like a real lawyer. 

My issue is therefore : 1. They should not be contacting me after I instructed XXXX to cease and desist all communications. Any communications from them are punishable under the FDCPA by a {$1000.00} fine per instance. 
2. They should not be pretending to be a law office unless they actually are lawyers, and it seems like this is just a crude tactic at intimidation, as they present themselves as lawyers but in the fine print they state they want me to talk to " a non-attorney debt collector. '' If they are a non-attorney debt collector they should not be using deceit to make it seem like a lawyer is chasing for a debt. 

Thanks, XXXX
Consumer complaint received 2024-05-08
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I am writing to urgently address the ongoing issue of inaccurate negative accounts on my credit report. Despite multiple challenges and requests for removal, these items persist, causing significant harm to my creditworthiness and financial opportunities.
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

I have had an ongoing issue with my phones, not being in my account and funds being moved from my account without my authorization. This is happened on multiple occasions Wells Fargo has a policy that they have 10 business days to investigate a fraud dispute. Today is the 10th business today, and I have not received any communication regarding the dispute or have a received a provisional credit for the amount that I disputed I have a child and I have bills the holidays are coming up and I have tried to be patient but I can not longer wait on my money
Consumer complaint received 2023-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (AZ)

I opened an account online and it asked me to come in and verify my identity so I did in person and the teller and XXXX help me to finish setting up the account because I needed the information for a settlement that I had received from an insurance company XXXX XXXX XXXX  company Settlement for my items that were damaged in the storage due to water leaking through the roof. The manager provided me with the deposit information which I provided to the insurance company who then a few days later deposited my settlement {$2000.00} into my account through direct ACH deposit. I have bills to pay so I went into the branch and took out XXXX in cash and then I tried to access my account online and it was showing an error so I went back into the branch XXXX days later and they told me that they had closed my account and that I couldnt access the money and they would not give me the balance of my funds in the account And gave me no explanation. They asked me to verify my phone number. They asked me to verify where the 2000 came from and I showed them the email and information that was sent by the insurance company they treated me very poorly.. us bank XXXX
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION (OR)

On XXXX, XXXX XXXX XXXX put my XXXX XXXX  account into collections. They put it into collections because XXXX XXXX was in a company corporate name that wasn't personally guaranteed. This account never belonged on my credit in the first place. They took my consumer information and placed it on my credit report and that's not what should have happened. 16 CFR 313.7 15 usc 6802 Per the FCRA as a federally protected consumer I am now opting out of any and all authorizations I the consumer may have given you written, unwritten, verbally and non verbally per 15 USC 6802 it is effective immediately and indefinitely. Since the debt is now with a third-party collection agency, it has already been charged off. As outlined in Tax Topic 431, this represents a certificate of indebtedness, which is categorized as income. It's important to note that income is not reportable on my credit report. " If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. '' - Tax Topic 431
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX was in fact contacted and sent multiple police reports in XXXX, XXXX of XXXX along with same information to Experian. The account was charged without my permission by unauthorized user. The account was closed and I was informed in XXXX an investigation would take place and my credit would NOT be affected. This has not been the case. For over a year this is still appearing as negative on Experian report. I contacted XXXX in XXXX, XXXX and spoke with XXXX in collections and he informed me that if I paid XXXX XXXX would send a reversal of late payments for multiple months and Experian report would only show paid in full and closed. It is now showing paid, charge off closed and over a year of charge off. XXXX  has never sent investigation of unauthorized use and the XXXX XXXX was sold to XXXX XXXX. I have disputed called complained. The unauthorized user has never been located. My Experian report is pristene all accounts paid on time and mortgage of XXXX paid off in 3 years there is no way Id let a XXXX bill ruin my credit. My other two reports are good. I just want XXXX XXXX updated to reverse all charge off and lates as promised and Experian to investigate properly. I filed a XXXX complaint against Experian as well for reporting inaccurate and erroneous information.
Consumer complaint received 2023-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2023-11-08
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. (IL)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2019-07-08
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: REGIONS FINANCIAL CORPORATION (FL)

When I signed the loan document with Regions Bank in XXXX Florida, my mortgage was suppose to be a conventional mortgage. After I moved in there were tow mortgages both variable and the agent that signed my contract had suddenly disappeared. I called several times and was told that I couldn't go anything about it. I had to refinance and now they have raised my mortgage twice this year alone. I need to have a solution.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX XXXX XXXX did not report the late payments correctly to each XXXX XXXX. In XXXX of XXXX how was I 90 days late with TransUnion but not with XXXX or XXXX? Also on my XXXX credit report it shows that there was XX/XX/XXXX days late in the consecutive months of XXXX through XXXX of XXXX but that is not reflected on either XXXX or TransUnion credit report. All three credit bureaus are reporting different information and according to 15 U.S. Code 1681e - Compliance procedures, " 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. '' This is a direct violation and furthermore proves that there was no investigation to provide proper verification. Its the law to report accurate information and I want these late payments either deleted or adjusted to PAANL ( paid as agreed, never late ).
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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