davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
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. (TX)

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

XXXX ACCT XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX. 

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

15 U.S.C 1681 section 602 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime 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 2024-05-08
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: EQUIFAX, INC. (GA)

I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2023-12-27
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)

Unauthorized transactions on account and bank is not honoring terms and agreement provided, bank is also violating 1974 privacy act law providing photos and pictures and public and pribate information to 3rd parties vendors, also this is a notice of securities fraud for not crediting account
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2023-08-31
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 my 2nd 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 an alleged fraud or extortion. XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX  **** Balance Owed : {$150.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$580.00} ; XXXX XXXX  XXXX **** Balance Owed : {$230.00} ; XXXXXXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$400.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$300.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance Owed : {$1900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX  ) XXXX Balance Owed : {$150.00} ; XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX  ) XXXX Balance Owed : {$1800.00} ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companies that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Consumer complaint received 2023-07-07
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 — Investigation took more than 30 days
Company: Exeter Finance, LLC. (GA)

On XX/XX/XXXX, I got a call from my relator asking me if my husband and I had any additional cars because he was showing an outstanding Loan from Exeter Finance for a XXXX, that XXXX XXXX was listed on the loan. I told him I had no idea who this person was, what the loan is, and I have never had a XXXX. I contacted Exeter Finance and was advised that the loan was opened XX/XX/XXXX at a car lot in Kentucky. I advices them that I live in Georgia and on this date, I was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, so it was impossible that I was in Kentucky at a car lot opening up a loan. They asked me to send a police report, identity theft affidavit, my drivers license, social security card, letter stating what I already told them, and a letter from my doctor. I did all of this, and not even two weeks later I received a letter from Exeter stating that they validated this account as valid. I called and let them know that I needed to see the supposed loan documents that I had signed at this lot in Kentucky because I know for a fact I was in the hospital, and I proved it to them. I told them I would send in my medical records, because this would definitively prove where I was at the time, and that I didnt open up this account. They got my medical records which show I couldnt have opened up the account, and still refused to remove it. I provided all of the same proof to XXXX, XXXX, and XXXX. XXXX and XXXX promptly looked at the proof and medical records, and removed the account. XXXX refused. I called XXXX four times about this, and they were no help. The last time I asked to speak with a supervisor. I recorded the call this time. I spoke with someone named XXXX ( I am sure this is not his real name, as this is a XXXX XXXX call center- I could tell by everyone talking in the background ) he told me to dispute it again. I asked him what good it would do because you have all the proof and continue to deny it. He told me unless Exeter removes the account XXXX will not be helping me. I also have a XXXX XXXX because I suffered XXXX XXXX, so it takes me a while to get my words out, and he was really rude. He told me if I sound like this I should not even call someone, I should write or email. I told him that I did not appreciate that, and that Ive already wrote them numerous times, with no help. I advised him in XXXX does not remove this, I will have to end up filing a lawsuit, he said he didnt care and hung up in my ear. I can prove everything that I am saying, and I want this account removed at once.
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alorica Inc. (NC)

I am writing to express my concern regarding an unresolved issue with my credit report. On XX/XX/2024, I sent a certified letter to SST containing things within my credit report. The letter was sent via certified mail and was received by their office, as confirmed by the provided tracking information. I have also enclosed a copy of a letter I received from SST regarding theyre no longer servicing my account and an invoice for XXXX. This is account is due to identity theft and I want the account removed from my credit report. Thank you for your immediate attention to this matter.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

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 2023-12-23
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: CLGF Holdco 1, LLC (MI)

On XX/XX/23 I Filed A Complaint With CFPB Stating In accordance with the fair credit Reporting act Convergent XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY purpose. 

The Company Responded In 4 Days That They Have Investigated & Information Is Accurate. 

I Disagree That This Company Did A Investigation. Late Payments Are Still Reporting Inaccurately & Unverified & According To FCRA Should Be Removed Immediately! 

Below Is Proof Company Did Not Investigate Nor Verified This Information. If They Did As Of XX/XX/23, How Is It, Its Still Reporting 30 Days Late In XXXX & XXXX? 

Inaccurate, Unverifiable Information Should Not Be Updated! But Deleted From My Report Immediately!
Consumer complaint received 2023-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (GA)

According to the FCRA, the information on my credit report MUST be is accurate, verifiable, and reporting timely and if not, IT MUST BE REMOVED! The past debt validation requests Ive sent they did not provide supporting documents. This account does not belong on my credit profile. My credit reputation is on the line due to their constant neglect for my credit and the FCRA.I am looking at my credit report right now and the account that I previously disputed with all three credit bureaus are still showing. 
XXXX XXXX XXXX could not provide documents with my signature. Since they are unable to supply legal supporting documentation that I am legally bound to pay them this account must be removed. XXXX XXXX XXXX couldn't show me legal proof that I have ever done business with them or have been associated with them in any personal and/or business matter.I will be left no choice but to file complaints with the Attorney General, Federal Trade Commission if this not deleted and removed from my credit profile.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

In accordance with FCRA 605B, it's required to expunge any incorrect accounts from my credit report. Could you please review the documents? Certain accounts listed are inaccurate in terms of their reporting. Compensation of {$1000.00} per incorrect reporting on my credit file is in order.
Consumer complaint received 2023-04-03
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: Experian Information Solutions Inc. (CA)

Experian and XXXX are not follow your law Section 605C of the Fair Credit Reporting Act. XXXX removed the items I disputed, but the two CRA 's listed stated that I did not provide the requested information the needed in order to remove the items, address and telephone numbers that I ask to be removed. I provided a copy of the reason why they did not complete the process of removing the inaccurate items. Both Experian and XXXX stated in their letters that I did not provide the victim determination documentation. This is untrue, I provided the same documents to XXXX and it was also notarized. 

XXXX under confirmation # XXXX letter sent on XX/XX/2023 stated that they sent me out two notices so that they can correct the problem. I only have the one notice which is the only letter they sent me. I will provide a copy of the letters both CRA 's sent to me. I will also include a copy of the letter from XXXX removing the adverse information that resulted from being a victim of XXXX
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
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. (IL)

I consistently make on-time payments. I am confident about this. What baffles me is why this company is marking me late in some months, which shouldn't happen. As per USC 1666b, any billing errors must be rectified, or else they'll owe me {$1000.00} for each inaccurately reported account.
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
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. (IL)

Ensuring timely payments is a habit of mine. I am absolutely certain about this. What I find puzzling is why this company is labeling me late in certain months, which is unacceptable. USC 1666b states that any billing errors need to be fixed ; otherwise, they'll owe me {$1000.00} for each inaccurately reported account.
Consumer complaint received 2024-04-19
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. (NC)

I am writing to express my deep concern regarding the inaccurate information present on my consumer credit report, which has adversely affected my ability to access credit and has caused significant disruptions in various aspects of my life. This letter serves as a formal dispute of the inaccuracies, a request for compensation due to the hardships I have endured, and an opt-out of the current agreement under the arbitration clause. The inaccuracies on my credit report have led to the denial of credit, impeding my capacity to secure vital resources such as reliable transportation for employment and stable residence. As a result, my family has been forced to move from place to place, causing substantial stress and instability in our lives. The denial of credit has had profound impact on my financial stability, limiting my employment opportunities and hindering my ability to provide for my family. 

The most current was with XXXX XXXX XXXX XXXX store credit under XXXX XXXX XXXX of denial do to this reporting of credit. 
In addition to the dispute and compensation request, I am formally opting out of the current agreement under the arbitration clause. I prefer to pursue other terms per applicable law in renegotiating terms to best of my benefit seeking compensation.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Per the privacy act of 1974 credit reporting has been violated the uploaded letter is advising that The XXXX  Bankruptcy Court, XXXX XXXX of California does not report information to any credit reporting agency
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (AZ)

We received a text from Wells Fargo that a suspicious charge was made on our joint checking account. We checked our account and didn't see said charge. The following day we received a call from a Wells Fargo number stating our account had some suspicious charges on it. At no time during the call was any " critical '' information given over to the caller. Somehow during this call, a hacker got into our accounts and transferred all the money into one account and then took the money out through a stolen debit card number attached to an apple pay account. We have asked for an investigation multiple times only to be denied due to the alleged transaction was legit. We provided a copy of the text message that was sent, the copy of the alleged Wells Fargo call and the bank name and last four digits of where our money disappeared to. We involved our local banker and to no avail we have not been credited our money back. We have been a Wells Fargo client for XXXX plus years and frankly were treated like we were the criminals. We understand that you need to be diligent to the scams and at no time was any critical information given to the scammers/hackers. We feel Wells Fargo just is waiting for us to give up!! Please help us resolve this matter.
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-07-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I am filing this complaint because this company is attempting to collect on debts from XXXX accounts that were allegedly " paid in full '' according to my XXXX credit report. Both Portfolio and XXXXXXXX XXXX and have been reporting duplicate accounts. I have disputed these inaccuracies to no avail. This company is a lying, conniving, and deceptive debt collection company who has been stepping on me and inflicting unnecessary pain on my life. They are benefitting from my misery in which both XXXX XXXX and Portfolio has caused. They are in violation of the FDCPA XXXX ( XXXX ), XXXX ( XXXX ) ( A ), and XXXX ( XXXX ). Portfolio Recovery Associates was also disputed through the CRAs and had failed to rectify the incomplete information they had been reporting on the accounts. They did not report the complete payment history as I had requested, and they " Verified '' the accounts to be accurate on XX/XX/2024, when they were in fact false. This is both deceptive, false, and fraudulent.
Consumer complaint received 2022-12-09
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: EQUIFAX, INC. (NV)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$4500.00XXXX XXXX XXXX XXXX  Balance : {$1600.00} XXXX XXXX XXXX Balance : {$7700.00} XXXX XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX