davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-05
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. (FL)

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

XXXX XXXX XXXX  ACCOUNT # XXXX ; XXXX XXXX  ACCOUNT # XXXX & # XXXX XXXX XXXX XXXX  ACCOUNT # XXXX ; XXXX XXXX XXXX ACCOUNT XXXX XXXX & # XXXX XXXX XXXX XXXX ACCOUNT # XXXX ; XXXX : ACCOUNT # XXXX ; 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 2024-04-30
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. (FL)

I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of XXXX XXXX and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the XXXX XXXX XXXX  and also have enclosed copies of the XXXX XXXX XXXX affidavit please deleted the items as soon as posible
Consumer complaint received 2024-04-30
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)

I trust this email finds you well. I am reaching out once again regarding the unresolved issues with my credit report. 

Despite numerous previous attempts and communications, the necessary corrections have not been made. The late open account and charge-off account continue to affect my credit history negatively, leading to potential financial repercussions. 

I urge you to prioritize this matter and take immediate action to rectify these inaccuracies. It is crucial to ensure the accuracy of my credit report to maintain my financial integrity and credibility. 

I kindly request regular updates on the progress of the corrections and removals. Additionally, I seek confirmation once the necessary actions have been successfully completed. With this, I am asking for your assistance to remove or correct these accounts in my credit file : XXXX XXXX Balance Owed : {$4300.00} - I demand immediate confirmation of the payment history and status of this account. Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. 
XXXX XXXX XXXX XXXX : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Consumer complaint received 2018-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (AZ)

I make 2 monthly payments on my student loan regularly with Wells Fargo Student Loan. I told the rep I wanted to make 2 payments and she calculated incorrectly and it had to be completed in 2 separate transactions- one for {$100.00} and second transaction for {$3.00} on XX/XX/XXXX. The rep miscalculated and shorted my second payment by {$1.00}. This is NOT the first time this happened, first occasion was XX/XX/XXXX.

My credit score dropped drastically and this is injust because this was a mistake by the representative which they also admitted.

My score was effected and significantly dropped 59 and 33 points.

This isnt the first time this happened. InitiallyXX/XX/XXXX when that happened I complained and nothing was rectified.
Consumer complaint received 2024-04-30
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (MD)

I am writing to formally lodge a complaint against XXXX, a debt collection agency that has violated my consumer rights as protected under the Fair Debt Collection Practices Act ( FDCPA ). I believe that this agency has engaged in deceptive and prohibited practices by listing and attempting to collect a debt they do not legally own. Despite request for verification and validation along with proof of alleged debt via certified mail, XXXX stated they are not required to send notices through certified mail. 
XXXX has no authority to furnish any account to consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). Based on XXXX 's response to the CFPB complaint submitted on XX/XX/year> ( document attached ), XXXX admitted in the response that they are not the current owner of the account thus should not have sent nor listed the account to be reported to my consumer reports -- damaging my credit, adversely affecting my credit score and causing significant undue stress by violating my rights. In my previous complaint, I revoked all rights of XXXX communicating through email/text/telephone calls. On XX/XX/year>, I received a voicemail from XXXX which is a violation of my rights.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries.

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 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX Balance : {$6500.00} XXXX XXXX
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

Credit Agencies continue to break the law, refuse my request of verifying debt and are now using stall tactics to delay their duty of providing verifiable proof of the debt. I received a letter today asking me to verify my identity and proof of address which has already been done multiple times. Please see the attached document which was sent to them certified mail on numerous occasions. My original request is now over 45 days old and must be validated or all disputed items deleted. My only remedy is to persist in reiterating the law.

Federal law requires that they respond within 30 days, and they have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance. 

Their continued delays are inexcusable.
Consumer complaint received 2024-04-30
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. (IN)

PLEASE BLOCK AND REMOVE Kindly take urgent measures to remove the unauthorized inquiries from my credit report, as they are causing me significant distress. I did not approve or initiate these accounts, and it is unjust for me to be held responsible for them. I urge you to promptly address this issue.
Consumer complaint received 2024-04-29
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (TX)

credence resource management constantly calls me about a debt that ive already asked them to validate the debt. they have not sent me any information about the debt. plus i also asked them to cease and desist from contacting me. all of this to no avail. these tactis is a clear violation of my rights under FDCRA.
Consumer complaint received 2024-04-29
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

Fair Collections and Out kept calling my sister asking for me and then called her and told her that i owed them {$10000.00} for the debt at XXXX. I never authorized my sister to be given my information and I did not provide them with my sisters phone number either. The only phone number I provided XXXX Apartments was my phone number. 
The FCO team caled My sister in XXXX and XXXX over and over and provided her with the exact amount of debt that I owed.
Consumer complaint received 2019-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

These accounts were utilized by some one other than me. My wife and I were scammed. We have had accounts with good standing, until someone stole our identity and mis used our names and social security numbers. THE FOLLOWING ACCOUNTS MUST BE REMOVED!!! If not, I will file a civil suit against all 3 bureaus. I am also requesting proof of signature which the credit bureaus should have on record 1 ) XXXX XXXX ( Balance ) {$3000.00} Opened : XX/XX/XXXX 2 ) XXXX ( Balance ) {$8000.00} Opened : XX/XX/XXXX 3 ) XXXX ( Balance ) {$6200.00} Opened : XX/XX/XXXX 4 ) XXXX XXXX ( Balance ) {$6600.00} Opened : XX/XX/XXXX XXXX ) XXXX XXXX  ( Balance ) {$1800.00} Opened : XX/XX/XXXX
Consumer complaint received 2024-04-29
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CrossCountry Mortgage LLC (GA)

My mortgage company gave information about my personal loan and my issues to a referred person by me My privacy was violated and threat was made to my referral person, from my mortgage company my lender called the person I referred to them He said I was getting a loan and I decided not to go with the loan, he bad mouth me and he told the person several time that he will destroy my credit, he said give that message to her from me, He was very rude and nasty the entire time while he was talking to me about the loan and at the end he belittle me when I asked about mobile attorney! He told his assistant, she should find me an attorney that has an office and make sure he has tie and suit on! 
After I decided not to take his verbal abuse, he called the person I refer to them and told her about my business and made a threat
Consumer complaint received 2024-04-30
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)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

On XX/XX/year> I received a XXXX XXXX XXXX XXXX card from Bank of America that I did not apply for nor request in any way. I called Bank of America this same day and requested that BOA cancel this account and pull it from my credit report. The person I talked said she would cancel the card and issue a fraud alert on the account, but that I would need to contact the credit reporting companies myself. She also told me the card was issued on XX/XX/year>. I asked her for a confirmation number for this call and all she could give me was " XXXX in Arkansas ''.
Consumer complaint received 2024-06-21
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)

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (FL)

I noticed a fraudulent account on XXXX XXXX, and I did a dispute on XX/XX/year>. I received a phone call from a man saying he worked for Midland Credit Management, and he was asking for my current address which I did not give to him. Today XX/XX/year> a lady rang my doorbell and handed me a paper after reading it, it says has pretrial information to appear in court XX/XX/year>. I have reached out to multiple credit bureaus for assistance and I did a for on the FCT identity theft website and now I am seeking your assistance.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (FL)

I am writing to bring attention to the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, Section 602 ( a ). This section emphasizes the critical role of consumer reporting agencies ( CRAs ) in our financial system and underscores the importance of treating consumers fairly, impartially, and with respect for their privacy rights. 
As both XXXX and XXXX operate as consumer reporting agencies, it is imperative that they adhere to the principles set forth in the FCRA. As a consumer, I assert my right to ensure that my private information remains confidential and is not shared without proper authorization. This right is supported by 15 U.S. Code 6801, which places an obligation on financial institutions to safeguard customer privacy.

Furthermore, according to 15 U.S. Code 1681, Section 604 ( a ) ( 2 ), consumer reporting agencies may only furnish consumer reports with explicit written consent. I have not provided such consent, and any previous consent granted to XXXX, XXXX, or other information furnishers to credit agencies is hereby revoked. 
Additionally, 15 U.S. Code 6802 ( b ) mandates that financial institutions inform consumers of their right to opt out of information disclosure. Regrettably, this requirement has not been met by XXXX and XXXX. 
Moreover, 15 U.S. Code 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse items in reports without proper authorization. XXXX and XXXX must adhere to this standard. 
Lastly, 15 U.S. Code 1681s-2 ( A ) ( 1 ) prohibits the furnishing of inaccurate information, while 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to prevent violations. Unfortunately, it appears that XXXX and XXXX are falling short in meeting these standards. 
Thank you for your attention to this matter.
Consumer complaint received 2024-04-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

The XXXX XXXX Pandemic destroyed me personally as well as my business. I never requested any free money through the PPP program or through unemployment insurance payments. My business was shut down, out of business for XXXX full years. Your financial institution received millions of dollars for offset losses from either PPP funding or direct payments from the U.S. Department of Treasury. Yet I as a little part of the economy has suffered permanent destruction to her credit. This was and is unfair. I believe that your institution should dismiss my balance altogether. Your institution could send out a 1099C in exchange for the write-off. I see no other way out of my situation other than a XXXX  XXXX filing. I pray that your institution can see through my problem and extend to me a complete write-off from any current indebtedness. Thank you. 
XXXX XXXX
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SANTANDER HOLDINGS USA, INC. (PA)

XX/XX/29 i was charged a {$3.00} fee for non paperless statements. Since they don't give me the option to choose paperless to open my account, it seems like a scheme to earn fees dishonestly. I'd like a refund
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (MD)

Discover closed my credit card even though I have been making payments on time. They emailed me in XX/XX/year> about the need for me to consent to verifying income information. I am a single mom with a XXXX XXXX and I wasn't able to get to that email immediately. I wasn't even sure if it was a legit email and not spam. They did not send that request by regular mail. They closed my credit card in XX/XX/year>. They did not give me enough time to respond to their request to verify my income information. I called to verify my information XX/XX/XXXX and Discover refused to reopen my account. 

Can you help me re-open my Discover card? I don't want my credit score to get a hit if it remains closed. I plan to continue making payments on the balance.
Consumer complaint received 2024-06-21
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. (NY)

I am submitting this today to inform the credit Bureaus that I have been a victim of identity theft and to dispute certain items on my credit report. The items I am disputing do not relate to any transactions involving goods, services, or money that I have made or authorized. 
XXXX XXXX XXXXXXXX Balance : -, XXXX  XXXX XXXX XXXX XXXX : {$0.00}, XXXX  XXXX XXXX XXXX XXXX : {$0.00}, XXXX  XXXX XXXX Balance : {$700.00}, XXXX  XXXX XXXX Balance : {$1900.00}, XXXX XXXX XXXX XXXX XXXX {$9800.00}, XXXX  XX/XX/year>