davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MN)

USAA changed the terms of their overdraft policies and provided notice in the form of an electronic communication on XX/XX/XXXX. I had time to glance at it and it was unclear whether it would have an effect on my accounts. On XX/XX/XXXX, I realized that a charge that should have been declined was accepted, and the cascading financial repercussions have led to multiple overdraft charges and fees. 

USAA failed to adequately provide communication regarding the upcoming changes, or a reasonable timeframe within which to alter previous financial commitments. They subsequently refused to acknowledge or make restitution for, or apologize for the serious breach of their previously excellent service. 

I sincerely hope that this is not a sign that USAA no longer intends to operate in the best interests of its members.
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. (TX)

In accordance wit The Fair Credit Reporting act. The LISt oT accounts below nas violated my Tederally protected consumer Tignts TO privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

The following inquiries were opened under my social security number fraudulently.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-04
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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
Consumer complaint received 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VI)

I had a loan with XXXX XXXX that is reporting negatively on my credit report and it is the fault of the bank and not me so therefore it should be removed from my credit report. The problem here is that, I had went to the bank and told them that I had to have a XXXX XXXX XXXX XXXX  XXXX and I would be hospitalized for sometime so they told me to write them a letter and they would put the payments on hold until I could resume the payments. The bank never did what the had promised to do and went on to report the missed payments on my credit report, although I had given them the name of the loan officer ( XXXX XXXX ) who had advised me of the process that I must follow. After trying many times to get the bank manager, Mr XXXX XXXX to update the account to what it should be, I am now asking the credit report agencies to delete this derogatory item from my credit report. The bank manager, the XXXX, XXXX XXXX has refused to honor the banks agreement and told me via telephone conversation that if he fixed it, he would be reporting false information and would be in violation of the fair credit reporting act. So, it is very clear that this XXXX XXXX bank manager has no problem screwing up a customer credit, even though they were sick and helpless.
Consumer complaint received 2024-02-28
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)

Received a phone call from someone who said they were with XXXX and someone tried to open a new account in my name. They then handed me over to someone who said they were with your bureau and they said had my Experian credit report and started naming all my credit card accounts and how much I owed plus they had the last 4 numbers of my SS number. I hung up and tried to contact Experian on line by signing in but kept getting an error page. Tried calling but kept being asked to reverify my identity and they won't put me through to a live person to talk to. I've put freezes on the other 2 credit reporting companies but can't get through to Experian. I've even tried calling the phone numbers for their main headquarters but get the same recorded " help '' and the same run around.
Consumer complaint received 2023-10-28
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. (MO)

I initially disputed these fraudulent items, providing comprehensive evidence that substantiates my claim that these items are not related to my financial history. Despite my efforts and the legal obligation for accurate and fair credit reporting, these items have not been corrected or removed from my credit report. 

I would like to emphasize that the Fair Credit Reporting Act ( FCRA ) mandates credit reporting agencies to conduct a reasonable investigation within 30 days of receiving a dispute. It is now well beyond this timeframe, and the presence of these fraudulent items continues to harm my credit standing. Furthermore, I have received no communication from your agency regarding the results of the investigation or any actions taken to resolve the matter. 

In light of the situation, I kindly request that you take the following actions : Conduct a thorough and timely investigation into the accuracy of these fraudulent items, adhering to the guidelines set forth by the FCRA. 

Provide a detailed response outlining the results of your investigation, including any actions taken to correct the inaccuracies and the expected timeline for resolution. 

Remove the fraudulent items from my credit report promptly, as required by law, if they are found to be inaccurately reported or unverifiable. 

Send me a written report of the results of your investigation, a copy of my updated credit report showing the removal of these fraudulent items, and a written explanation for any items that were not corrected or removed. I am asking for your assistance to remove the following fraud items 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 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 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 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
Consumer complaint received 2023-10-28
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: CITIBANK, N.A. (CA)

XXXX and XXXX supplied XXXX with the information and failed to properly investigate and resolve the consumer disputes about the credit reporting so I am disputing report number : XXXX. 

A XXXX XXXX ( Citigroup ) & XXXX XXXX were instructed to report a very old ( identity theft/scam ) closed and charged off account to XXXX and XXXX, using an invasive entity called XXXX XXXX XXXXXXXX XXXX ( another XXXX ) and it recently showed up on my credit report. This company likes to use various illegal tactics ( e.g. mail fraud XXXX XXXX XXXXXXXX ), XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX retail purchases or discriminatory practices ( e.g. XXXX, XXXX XXXX ) etc, to set you up and illegally collect data. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, known aXXXX XXXX  on XXXX ), XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX, XXXX. XXXX XXXX XXXX XXXX under XXXX XXXX XXXX and XXXX XXXX XXXX ; violated provisions of the Fair Debt Collection Practice Act and are part of a class action lawsuit pending in the U.S. District Court. My information was also posted publicly ( I am a victim of identity theft ) on a private investigator XXXX XXXX website called XXXX - part of the long list of illegal XXXX activities from this " XXXX '' and their affiliates. They also put an inquiry named XXXX on my credit report but did not provide an address or any other identifiable, source, information. I filed an inquiry with XXXX requesting more information on the XXXX inquiry however XXXX never responded with the contact information details. 

Citigroup Tops List of Banks Who Received Federal Aid - XXXX XXXX XXXX XXXXXXXX https : XXXX XXXX XXXX XXXXXXXX XXXX dollar government bailed out Citigroup and XXXX XXXXXXXX XXXX XXXXXXXX have a history of using RICO, deceptive and unfair practices. XXXX dollar government bailed out Citigroup along with XXXX get pleasure out of targeting vulnerable consumers such as XXXX Veterans. XXXX dollar government bailed out Citigroup along with XXXX violated federal consumer protection law and reported inaccurate information to the credit reporting agencies.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to file a formal complaint against Transunion regarding their handling of a credit inquiry dispute I initiated with their agency, as they have failed to address the issue adequately. 
On XX/XX/XXXX, I submitted a dispute letter to Transunion in which I sought to challenge the accuracy of the inquiry that appeared on my credit report. I sent a second letter on XX/XX/XXXX to dispute this error. The inquiry listed below, is associated with a credit account that I did not apply for : XXXX XXXX on XX/XX/XXXX Despite providing clear and detailed information regarding these disputed inquiries, Transunion has not taken the necessary steps to investigate and correct this issue. Under the Fair Credit Reporting Act ( FCRA ), I have a right to ensure that the information reported on my credit file is accurate and up to date. I have attached a copy of the XXXX dispute letters I sent to Transunion, as well as their response and certified mail receipts to demonstrate my effort to engage in a good faith resolution of this dispute.
Consumer complaint received 2023-08-29
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: JPMORGAN CHASE & CO. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
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 — Investigation took more than 30 days
Company: CCS Financial Services, Inc. (GA)

This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (VA)

XX/XX/XXXX, Equifax updated my credit report with incorrect information regarding XXXX XXXX XXXX. This was voluntarily dismissed in XXXX and they are reporting that it just was dismissed in XX/XX/XXXX. I am very tired of these errors because it causes my credit score to go down when they add this information. I will be looking into legal advice and getting an attorney to rectify the situation. I have submitted complaints several times with this bureau, but nothing is happening. This violates my right for fair credit reporting. This company DOES nothing to help because it still reporting incorrect information. 

Case or ID : XXXX showing as " Date Reported '' to be XX/XX/XXXX on Equifax report, which is 5 years ago from when the case was " voluntarily dismissed ''. Please have them remove this as they are reporting it incorrectly on my file.
Consumer complaint received 2023-12-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings (MO)

I moved from XXXX XXXX XXXX  in XXXX and had XXXX XXXX XXXX on my house that I was renting. I moved into my in-laws house in XXXX of XXXX. Called XXXX multiple times and told them I dont have a house of my own to put the system on. XXXX was okay with that as long as I was paying my security equipment loan. I paid the loan off in the middle of XXXX. Two months ago I got a text message out of the blue saying I owed {$1700.00}. I called the number to find out what the issue was. They said that XXXX had sent me into collections. I havent heard from XXXX since XXXX and now it has hit my credit with a Derogatory mark and lowers my score by XXXX points. I was never notified of a debt of that amount and furthermore was never provided any notice that I would be sent to collections. This debt needs to be removed from my credit report and the collection account closed. I do not owe it.
Consumer complaint received 2023-09-20
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 have been a consistent victim of identity Theft. I have lost years and hours and a lot of money and time trying to fight The false information on my report. I've had multiple credit cards used on my report opened in my name, loans, phone bills and internet bills used in my name. I've recently had multiple inquires used in my name and false accounts opened in my name with no information on who and how. 

Pursuant to section 605B of the Fair Credit Reporting Act, it is by law which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Below are the accounts listed have been sold to multiple debt collectors with my stolen identity information. I Have attached my identity theft report. Below is the information, inquiries and addresses listed which incorrectly appears on my credit report that needs to be removed and blocked from my credit report : For Experian : XXXX : {$290.00} XXXX XXXX : {$300.00} - Account : XXXX Credit Cards : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Loans : XXXX For XXXX : XXXX XXXX : {$650.00} Account : XXXXXXXX XXXX XXXX : {$210.00} - Acct : XXXXXXXX XXXX : {$180.00} - Account : XXXX For XXXX : XXXX : {$290.00} XXXX : {$1800.00} - Acct : XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX  : {$240.00} - Acct : XXXX Fraudulent Openings used in my identity : XXXX, XXXX XXXX XXXX XXXX, XXXX : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX. XXXXXXXX XXXX XXXX XXXX, XXXX Fraudulent Inquiries : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX,
Consumer complaint received 2024-04-25
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (LA)

CFPB Complaint Regarding Credit Collection Practices by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX  XXXX SSN : XXXX ( Email Address : XXXX ) Date : XX/XX/2023 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, OH XXXX RE : Complaint Regarding Credit Collection Practices of Credit Resource Management Dear CFPB, I am writing to file a complaint against Credit Resource Management ( CRM ) regarding their debt collection practices for an alleged debt owed to XXXX XXXXXXXX XXXX. I am disputing the validity of this debt entirely. 
Dispute of Debt and Revocation of Communication Methods I am disputing all claims that I owe any debt to XXXX XXXX XXXX, as collected by Credit Resource Management. I request that CRM cease all communication attempts with me regarding this debt, including phone calls, emails, and text messages. 
Request for Debt Validation According to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive written validation of this debt. This validation should include the original creditor, the amount of the debt, and a breakdown of charges. Please furnish this information to me within five days of receiving this complaint. 
Request for Purchase Agreement I am also requesting a copy of the purchase agreement between Credit Resource Management and the original creditor, XXXX XXXX XXXX. This document will help me understand the legitimacy of the debt transfer. 
Proof of Licensing and Bonding Please provide documentation proving that Credit Resource Management is licensed and bonded to collect debts in my state.

Lack of Proper Notification I have not been given a proper opportunity to dispute this debt. If Credit Resource Management believes they did send me a debt validation notice, please provide a copy with a certified receipt showing my signature for delivery. 
Legal Citations I am filing this complaint under the following regulations : 12 C.F.R. 1006.34 ( b ) ( 5 ) : Validation of Debts 12 C.F.R. 1006.34 ( c ) ( 4 ) ( i ) : Communication in a Fair and Accurate Manner 12 C.F.R. 1006.34 ( d ) : Communication with Third Parties 15 U.S.C. 1681s-2 ( 7 ) ( a ) : False or Misleading Representations Request for Response I request a response from Credit Resource Management within 15 days of receiving this complaint. Their silence on this matter will be considered acquiescence to my demands. 
Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX Enclosures ( ID AND PROOF OF ADDRESS ) : Any documentation related to the alleged debt ( e.g., collection letters )
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. (TX)

The following fraudulent Inquires have been reported on my credit files. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (LA)

Midland Credit has reported three collection accounts to my credit file, none of which I was made aware of prior to their appearance on my credit report. My attempts to resolve this issue directly with Midland have been unsuccessful. I have never had a credit or similar account with Midland.

According to Midland 's website, " Midland Credit Management ( MCM ) does report to the credit reporting agencies, but we do not report during the first six months following the initial notification sent to you. If you begin repaying during those first six months and continue to make all payments as agreed until the account is resolved, we will never report your account to the credit reporting agencies. '' Midland Credit failed to provide me with an opportunity to consult with them about these accounts before reporting them to my credit file. This action constitutes a violation of the Fair Credit Reporting Act. If a consumer is allowed to resolve the debt within the first six months, why didnt Midland send me correspondence to resolve this debt?