davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-25
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. (MS)

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 XXXX Account Number : XXXX has violated my rights. Or 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 2023-12-21
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Payment issues
Company: Nelnet, Inc. (CA)

My name is XXXX XXXX I am part of the XXXXXXXX XXXX XXXXXXXX lawsuit. I applied for a borrowers defense application in XXXX regarding XXXX XXXX XXXX XXXX CA being a predatory school. I attended that school like thousands of others believing in the promise of a career. instead I now work as a XXXX. I took out loans over {$54000.00} to pay for tuition it was a two year technical school.when I XXXX i did not get any help with job placement. 

In regards to XXXX XXXX XXXX some people are eligible for a refund. I was told that my loans were commercial I would not qualify. XXXX XXXX was on exhibit XXXX  as being a predatory school. My lender was Nelnet I paid off my student loans in XXXX. I think that I should get my money back being that they were found guilty.
Consumer complaint received 2023-12-21
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (TX)

This is a follow up to a complain I initiated earlier regarding a debt that was posted on my account by debt collector ( Rent recovery solution ). When I initiated this complain and provided evidences to show that I was not owing rent at the time I left the apartment, they got back and said that they will remove the debt from my credit profile and do a proper investigation. Upon checking my credit profile, I observed the debt has been reposted on my account on same day they said it will be removed. Their actions are quite fraudulent because they never reverted with any evidence to show the month that I was owed rent. I have forwarded all my monthly payment to them for verification. It is not difficult to ask the apartment management the month the missed payment was for. For them to repost the debt on my account on XX/XX/2023 ( same day they said It will be removed from my history ) without producing any evidence to show I am owing is very fraudulent. This is outright Fraud!!! 

I have submitted all my monthly payment receipt to this debt collector for verification and I am requesting for information on the month I missed payment,
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

This is my official DEMAND that all the reported claims be demonstrated with factual documentation that ensures full truth, accuracy, timeliness, completeness, physical verifiability, and validity. According to relevant state and federal laws, the reporting process must demonstrate the claim ( s ) and comply with the mandatory XXXX XXXX COMPLIANT FORMAT standard of reporting, regardless of their truthfulness. It is not ethical or legal to assume that unverified claim ( s ) have been lawfully reported, even if they are true and valid in other respects. The ability to collect a debt or claim does not necessarily indicate its ethical and lawful reporting. All entities involved in consumer reporting, especially in cases of delinquency or derogatory information, must adhere to the reporting regulations and standards. 
Being the FACT, I DEMAND a document of CERTIFIED COMPLIANCE displaying undoubted PROOF of all claim ( XXXX ), PHYSICALLY VERIFIABLE TRUTH, CORRECTNESS, TIMELINESS, COMPLETENESS, OWNERSHIP OF RESPONSIBILITY, and VALIDITY including ANY STANDARD necessary be it mentioned or NOT! COMPLIANT REPORTING of VALID INFORMATION is NOT OPTIONAL, it IS THE REQUIREMENT. Any claim of negativity NOT meeting this STRICT STANDARD I here now CONTEST its REPORTABILITY and CHALLENGE all involved in its reporting to DEMONSTRATE PHYSICAL PROOF of FACTS and COMPLIANT REPORTING else ERADICATE any and all aspect of claimed delinquency ( XXXX ) and or derogatoriness ( es ) reporting and inadequately alleged.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (PA)

I do not have a contract with this alledged creditor. I do not owe a debt to them. This company is violating FCRA laws by purposely reporting inaccurate, invalidated collections on my credit report. 15 usc 1666 protects consumers from fraudulent consumer reporting. I demand this account be deleted for violating my consumer rights.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IN)

I am writing to follow up my previous dispute with certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing. 

These unauthorized inquiries have raised concerns about potential identity theft or fraudulent activity. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request that you investigate these inquiries promptly and provide me with a detailed explanation of their origin.
Consumer complaint received 2023-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc. (CT)

Mccarthy, Burgess and Wolf claims I owe {$100.00} to XXXX XXXX, this appears to be from a prior stay, in which case, the booking was paid in full upfront. At time of check-in, I was not told of any remain balance owed. I refuse to pay this bogus balance. The reservation was paid in full upfront
Consumer complaint received 2023-12-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

This credit card was opened in XXXX as a secured card to help build credit history. It had a {$200.00} limit. While traveling to XXXX XXXX, I had stayed at a hotel and ordered room service. The food arrived raw, so I reported to the manager that I would like to send the food back and requested a refund. The manager assured me she would take care of it. When I got back from my trip, I noticed after a week or so the refund was not made so I called the hotel and they told me that the manager I spoke to no longer worked at that location -- apparently that was her last day and she had transferred to another hotel in another city. They said they would look into and get back to me. I then decided to call the credit card company to explain to them that this was an incorrect charge that should have been refunded, they also said they would look into this and get back to me. When I got my credit card bill I noticed they had charged me late fees, so I called them back and explained what was going on and they said they would investigate and get back to me. The next bill came and now they were trying to charge me over {$500.00} on late fees for less than {$200.00} that should have been removed/refunded months ago. Unfortunately, my father had passed away around this time and I was not able to follow-up continuously, the next letter was informing me that the account had been charged off ( I had been previously waiting for them to correct the charges and adjust the fees ) and now a third-party collection company -- PORTFOLIO RECOVERY -- was holding the debt and I had to speak to them directly. I sent letters to them and the credit bureaus again disputing the charges and explaining why this should have never happened, yet XXXX years later they continue to be the ONLY delinquent/derogatory mark on my credit report and keeping me from being able to build my credit that I now need for serious medical emergency. Could you please have this removed my credit report and have my name/credit reinstated as it should reflect given the circumstances. 

Thank you, XXXX
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXL Account Number : XXXX
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I sent my dispute letter and asked for a thorough investigation Experian response was any information received from the other party is accurate which is not fair meaning they are not doing a complete investigation and " I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. '' The reporting of these accounts ) is are violations of 15 USC {$1600.00}, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) 1 : ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;
Consumer complaint received 2023-08-04
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: Experian Information Solutions Inc. (NY)

I would like to request the suppression of this item from my credit report, which is the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and BLOCKED. 

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 2023-09-20
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. (SC)

TRANSUNION, XXXX, and XXXX credit agencies are reporting incorrect information on my credit report with address, phone number, and wrong name being reported. I have asked that they be removed and other credit reporting issues that are being reported without my written consent. 

The laws that they are breaking are 15 USC 1992, 15 USC 1681c-1,15 USC 1681c-2 , 15 USC 1681i, 15 USC 1681b, 15 USC 1125, and 15 USC 1695.

I have sent a dispute letter to each Agency and there has not been a response so I am asking for CFPB for your assistance in this matter.
Consumer complaint received 2023-08-04
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: Experian Information Solutions Inc. (VA)

I am submitting this 7th CFPB complaint as while I was going through my records, I noticed many files which do not belong to me are still in my credit reports. Under section 605b of the FCRA the Experian and XXXX Credit Bureaus are required by law to remove these items which are found to be opened due to identity theft. Again, the dispute items do not belong to me. Im re-attaching the required FTC Report for you and personal documents ( learned through more research both parties require ). Please remove these files. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. Here are the items I need the Experian and XXXX Bureaus to REMOVE : EXPERIAN : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$11000.00} XXXX : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2022
Consumer complaint received 2024-04-25
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. (GA)

Ive reached out to all 3 CRAs several of times on numerous occasions in regards to fraudulent accounts thats on my credit reports from the following companies XXXX XXXX opened on XXXX, XXXX XXXX XXXX XXXX XXXX on XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XXXX XXXX XXXX XXXX  opened on XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX XXXX XXXX  opened on XXXX, XXXX XXXX opened on XXXX.
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. (AL)

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 2023-02-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: WELLS FARGO & COMPANY (OH)

I called Wells Fargo stating that the loan agreement paperwork was not signed by me. They validated that it was and I want to invalidate that claim with my evidence of truth. I have been nothing but treated unfairly by Wells Fargo. It has got is to the point where the small guys dont matter. Well, I matter and I dont appreciate the defamation of character I am receiving. As I see, this matter, will not be satisfied with any CFPB, complaint done here. I will now take legal matters. My time is valuable, and so is my reputation.

My time is valuable and so is my reputation.

Ones you read the statement I received today in the mail from Wells Fargo, it will not be accurate, it has discredit me as a person, and has further decimated my character. When companies get so big that they can just disregard the little guy the consumer thats the problem.
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2024-04-25
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-25
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. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC (CA)

I was notified by one of the companies that helps me keep track of my credit reporting that an inquiry popped up, I contacted CB INDIGO bank and told them, I was notified of an inquiry, I needed them to remove this inquiry because it was not me. I was notified on XXXX XXXX and I called them directly I spoke with a gentleman by the name of XXXX and he let me know it takes 30 to 60 days and he said I would need to contact the Ftc. I am been a victim of Identity theft, that is why I check my credit daily. I also was notified that Destiny Card did an Inquiry on the same day. I need this inquiries removed off of my XXXX report and the account closed if they were opened asap.
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. (GA)

I, the consumer, never gave Experian written permission or consent to furnish my information or obtain my information. I've sent multiple opt out notices that Experian has ignored. Please see the attached documents.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

There are inquires on my credit report that are unathorized and may be fraud related. Please delete them, as I did not give any of these companies permission to pull my report nor did I give Experian, XXXX or XXXX permission to report these. 

You are not permitted under law to provide or publish my information without my consent 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I've also filed a FTC Identity theft report, to report this behavior to the proper authorities.

12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 

List of unauthorized hard inquires : XXXX XXXX  Inquiry date XX/XX/2023 XXXX XXXX XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX XXXX Inquiry date XX/XX/2023 XXXX Inquiry date XX/XX/2023 XXXX XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX XXXX XXXX Inquiry date XX/XX/2023 Thank you,
Consumer complaint received 2023-12-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Duvera Billing Services, LLC (FL)

In XX/XX/XXXX a dog was purchased using my information. I discovered this in XXXX of XXXX. I then found other accounts that had been opened using my identity. XXXX XXXX sold this debt to Duvera. I have been disputing and fighting this debt since then. I reported the identity theft and had this account removed from all XXXX credit reports. XXXX has now added this back twice to my account with no notice given to me. I have requested the information regarding this debt to be sent to me on XXXX different occasions from XXXX and Duvera. Neither has supplied this information to me. I did not open this account, I do not know who opened this account. I have reported this to the local police department and the FTC. I have an identity theft and police report regarding the identity theft. I have done everything I am supposed to, but have not received any information from this company.
Consumer complaint received 2024-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2024 I paid a down payment to XXXXXXXX XXXX XXXXXXXX. In spite of my husband 's credit rating being over XXXX he was denied for the {$1300.00} loan. The sales representative assured me that I would be refunded in a couple business days. XXXX weeks passed and I contacted XXXXXXXX XXXX XXXX and they stated that I needed to resolve the dispute with my bank. XXXX week later Bank of America responded stating that it would take up to 45 days before a decision is made. I don't feel BOA advocated for my refund quick enough. The bank did not even offer a temporary credit, which I feel I was due. This should have been an easy fix.