davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-30
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. (NV)

I am writing to formally inform you of my intent to take legal action against XXXX, XXXX, and Transunion due to the reporting of fraudulent accounts in my credit report, which has resulted in severe financial and reputational harm. I have previously submitted an identity theft affidavit to your organization as evidence of the fraudulent nature of these accounts. Despite my efforts to rectify this situation, the damaging information continues to negatively impact my life. 
The law is clear that credit bureaus are required to report all accounts accurately. The alleged accounts in question were not opened by me ; my identity was stolen, which is the sole reason these fraudulent accounts exist in my credit report. To resolve this matter and avoid legal action, I demand the following information and actions : 1. Provide a complete log of all dates and times you attempted to contact me regarding these alleged accounts. If these accounts were established by another party, you must specify your relationship with them, whether you are reporting this information as an " assignment '' or if you have purchased the alleged accounts outright. Additionally, provide all account details for at least a year leading up to this action, including any collection fees or interest incurred. If you are a third-party collector, please furnish proof of your license or bond to collect in my state, allowing me to confirm your identity. 
2. Present evidence of my wet signature on any relevant documents associated with these
Consumer complaint received 2024-04-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (VA)

On XXXX XXXX, I received notification from my employer that they received a garnishment award against me. The paperwork stated it was from the XXXX XXXX court. I briefly lived in XXXX XXXX and havent for the last XXXX months. I have never had any business dealings who was listed as the plaintiff and so I called them. They said it was from a debt in XXXX I do not recall having any business dealings with whom they say was the original creditor and told them as such. They were rude and the call was futile. I can not show up in court when I do not know I am supposed to! I explained that to him and he said it wasnt his fault I didnt update my address with the credit bureaus! Now, my wages are being garnished for a debt I do not believe I owe from XXXX and I never knew about either the debt or the case filled.
Consumer complaint received 2024-04-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (LA)

CFPB Complaint Letter Regarding Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX Date : XX/XX/2024 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX RE : Complaint Against Midland Credit Management Dear CFPB, I am writing to file a complaint against Midland Credit Management regarding a debt they are attempting to collect from me. I am disputing the validity of this debt in its entirety.

Dispute of Debt and Request for Validation I have no knowledge of this debt and believe it may be inaccurate. I request that Midland Credit Management provide written validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). This validation should include : The original creditor 's name and contact information.

The amount of the debt, including a breakdown of principal, interest, and any fees.

The date the debt was allegedly incurred.

Request for Purchase Agreement and Licensing Information Furthermore, I request a copy of the purchase agreement between Midland Credit Management and the original creditor for this alleged debt. Additionally, I request proof that Midland Credit Management is licensed and bonded to collect debts in my state.

Revocation of Communication Rights Pursuant to the FDCPA, I am revoking my consent for Midland Credit Management to communicate with me via phone calls, text messages, or emails. All future communication must be made strictly through written correspondence sent to the address listed above.

Violation of Fair Debt Collection Practices Act ( FDCPA ) I believe Midland Credit Management has violated my rights under the FDCPA in the following ways : 12 CFR 1006.3 ( b ) ( 5 ) : Failing to validate the debt upon my request.
12 CFR 1006.3 ( c ) ( 4 ) ( i ) : Continuing to contact me after I have revoked my consent to communication.

12 CFR 1006.34 ( d ) : Failing to identify themselves as a debt collector in all communications.

15 U.S.C. 1681s-2 ( 7 ) ( A ) : Using harassing or abusive collection tactics. ( Please note that you haven't mentioned experiencing harassment or abuse, but this section is included for completeness ) Request for Response I request a written response to this complaint within XXXX  days of the date it is received. Your silence will be considered an admission of guilt and a violation of my rights.

Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX ( I.D and proof of address ) : Any documentation you have related to the alleged debt.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Experian is reporting XXXX XXXX accounts on the charge off accounts that its over the limit. How is this credit bureau Experian allow to make remarks on a charge off account that is over the limit. This is 100 % inaccurate and shouldnt be allowed.
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Back in 2020 during when the pandemic started I had been waiting for my unemployment debit card from Bank of America I never received it I tried to contact the bank my account had been taken over because someone who had my account had put a password on it that I did not know so no agent or anybody from Bank of America would talk to me or give me any information on what was going on with the account they wouldn't even tell me if there was money in the account or if there was money been taken out of the account because I couldn't prove who I was all the documentation they sent me I have the first statement they sent me did not have correct dates it was all mismatched it was all Incorrect and they sent me another letters stating that there was incorrect dates and information that they fixed which I don't believe that they fixed because it's still kind of confusing to me I never received any money from any deposits deposited to that account and just recently when I called to file a claim to receive my money that I never received I was told that there was another account open in my name and that there was money put into that account that was used that I never knew about
Consumer complaint received 2024-04-25
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. (VA)

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
XXXX  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 2023-11-07
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: EQUIFAX, INC. (NY)

After waiting patiently for several weeks for your agency 's correspondence via mail, I have received an updated copy of my credit report today. Unfortunately, it appears that there are still inaccuracies on my credit profile that require immediate correction and removal in order to prevent my credit scores from declining further. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-27
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. (PA)

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 NumberXXXX  has violated my rights. Or a 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 2023-12-02
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: SYNCHRONY FINANCIAL (ID)

I did not authorize this account and did not open this account. Please repair my credit report immediately. I have a sister with the same birthday who may have been compromised because she also had tax fraud from XXXX  by an unknown person. 

I believe this is fraud.
Consumer complaint received 2024-04-26
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. (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.

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 informationisinaccurate
Consumer complaint received 2023-09-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

My cards were stolen from my person on XXXX from a local store. I was not made aware immediately. The fraudulent charge was posted the following week due to it being an end-of-week date, so I did not receive a bank notification or statement notification for the balance until the following Monday. I filed a dispute with Bank of America for the transaction of {$1200.00} for a fraudulent XXXX purchase that was later determined to be an anonymous online purchase by investigating police. The police case number was provided to Bank of America by phone once made on XX/XX/ and I was not advised at that time that my case had been closed. Initially, the claim was rejected stating that it had not posted to my account when it had. They re-opened the case after I called a second time in late XXXX inquiring why there had been no updates and after receiving a determination letter that the claim had been rejected for not posting and provided my account the credit at that time. After investigating, they determined that they would not pay on the account due to my " required physical presence '' for the order, which I was not present for. I have not provided my PIN or signature to any individual and online credit card purchases do not require a signature. I have requested all paper documentation regarding this case and am filing a complaint with the bank as well as CFPB. BOFA informed me that there was no documentation available to send but they will re-open the claim for consideration without the credit to the account with a determination due in 45 days. 

Crime Case Number : XXXX, XXXX XXXX Police Department BOFA Claim Number : XXXX
Consumer complaint received 2018-08-31
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (VI)

First, thank you for your assistance. 
Last fall we were victims of the two hurricanes that struck the XXXX and sustained substantial damage to our home, requiring us to relocate for seven months. At the onset of this disaster I contacted my mortgage company to discuss financial options. I was told that due to the calamity that we could be placed in a forbearance to allow additional resources to be committed to our recovery. I was also assured that the payments that would be deferred would not simply become due all at the end of the forbearance, as I specifically asked the question during this discussion. Had I been told that modifying the loan to add deferred payments to the end of the agreement was only an option and or that it was possible that I may have to pay all deferred payments back as a lump sum, I would have declined this offer in lieu of continuation of my monthly mortgage. Subsequently at the end of the forbearance period I resumed my monthly payments and have not missed any. I submitted an application for modification of my mortgage agreement and have had to submit multiple documents for this package to be termed complete. Several time I had been told it was completed only to then get another request for more information. I am still awaiting the determination of the application and now have been placed in a foreclosure status with the deferred payments being referred to as delinquent. I vehemently disagree with this terminology and foreclosure status as I have not MISSED any mortgage payments! I have been called by my personal lawyer stating that he has noticed a listing of my house being in foreclosure status in the public record. So now, not only is this inaccurate description of my account distasteful but publicly disgraceful. The effects on my credit are an issue of concern as well! All of this is compounded by the unavailability of anyone in the supervisory role of my account to even discuss this issue, despite my requests to speak to such party. I have followed all of the instructions that I have been given in the aftermath of what should have been the disaster, this financial wake is proving to be even more burdensome than the storms.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Under FCRA 605B, we need to remove any incorrect accounts from my credit report. Can you please check the documents? Some accounts are inaccurately reported, and I am due {$1000.00} for each mistake.
Consumer complaint received 2023-08-29
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. (IL)

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. The dates shown on my credit report for this account are not accurate. The date last reported for XXXX shows XX/XX/2023, XX/XX/2023 for Experian, and XX/XX/2023 for XXXX. Last payment dates for XXXX are XX/XX/2023, Experian XX/XX/2023, and for XXXX XX/XX/2023. With these incorrect dates, my credit report also shows an inaccurate 30 day late payment on XX/XX/23. Also, XXXX shows the account as closed, while Experian and XXXX shows the account as paid. 

Account name : XXXX # XXXX has violated my rights 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.

These inaccuracies are stopping me from getting the credit funding I need for my business.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Southwest Recovery Services, Inc. (NJ)

On my XXXX, XXXX and XXXX credit report it showed I have a credit I have a revolving account from first premier stating I opened account with them XX/XX/XXXX and balance XXXX account is closed and showing on my credit report with a payment never being made. This clearly is not mine all my credit cards is paid on time thats on my credit. I want this removed off my credit immediately I been disputing for years and they still havent provided any documentation proving this is my account.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (CA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (IL)

i have identified inaccuracies in my Experian Report that do not belong to me, indicating potential fraudulent activity. I have made diligent efforts to rectify this issue by engaging in written communication with Experian. Despite my attempts to address the matter through mail communications, Experian has been unwilling to comply with federal law and correct the inaccuracies. I am attaching proof of my attempts to resolve the issue through documented mail communications. This evidence highlights my commitment to rectifying the inaccuracies on my credit report and demonstrates Experian 's non-compliance with federal regulations. I kindly request your intervention in this matter to ensure the prompt correction of the inaccurate information on my credit report. Your assistance in resolving this issue is greatly appreciated, as it is adversely affecting my financial standing and integrity. 
Thank you for your attention to this matter, and I look forward to your guidance on the necessary steps to address and rectify this situation.
Consumer complaint received 2018-08-14
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: Experian Information Solutions Inc. (VI)

I have attempted to contact XXXX XXXX XXXX and have not received a response.

My research has shown that there is NO CONTRACT with XXXX XXXX   XXXX. Any contract they may have thought they had was cancelled and written-off. Their comments on the credit report proves that it is a write off. As a result, they NO longer have ANY rights to the debt, including reporting it on my CREDIT REPORT.