davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-01
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX Reference # XXXX has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (NC)

SELF FINANCIAL I was under the impression, that I could use self as a financial transfer agency ( sole purpose ) Of opening account. I did not receive a personal loan of {$710.00} from self. Self has forged my e-sign to apply for a personal loan in my LEGAL NAME, without my consent, after I called and instructed them that I did not consent to apply for any loan that I did not receive, and I instructed SELF CUSTOMER SERVICE, to close the account and to cease any action that I did not give a written consent to. 

Your credit report doesn't include your marital status, medical information, buying habits or transactional data, income, bank account balances, criminal records or level of education. It also does not include your credit score. 
Your credit report is meant to provide a detailed record of how you handle debthow much of it you carry and how well you pay it off. It also includes personal identifying information that helps to verify that the information in the report is yours. 



SELF HAS VIOLATED FAIR CREDIT REPORTING ACT ALSO XXXX HAS VIOLATED COMSUMER LAWS, BY REPORTING MY PERSONAL ACCOUNT BALANCES, and displaying my personal spending habits in a negative way. 
XXXX SOLICITED, A PERFECT MATCH FOR ME TO APPLY FOR CREDIT CARDS AND THEN DENIED ME SO I FROZE MY CREDIT ACCOUNT. 

*INACCURATE REPORTING *INACCURATE PERSONAL INFORMATION *SELF AND XXXX have reported closed accounts, as active personal lines of credit and as personal loans, I have not applied for any loans nor have I received any loan, card, or credit from XXXX OR SELF .
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) NAME : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-01
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: D&A Services, LLC (OK)

XXXX  sold debt to D & A SERVICES, THEN TO XXXX XXXX AND FINALLY LEGAL COUNSEL FROM XXXX SENT LETTER ATTACHED, CANCELLING DEBT AND REMOVING FROM ALL CRAS. XXXX AND XXXX RE-INSERTED THIS TRADELINE AND REFUSE TO REMOVE IT.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

Chex System Report was shared without prior knowledge and consent to XXXX XXXX XXXX XXXX and it contained errors that kept me from being able to open a deposit account. 
( ( ( Errors include the XXXX items below with the - symbol in front of them : : Score : XXXX Score Date : XXXX The principal reasons that influenced this decision are : - PROPERTY OWNERSHIP HISTORY - NON-DEROGATORY PUBLIC RECORD HISTORY - ASSET OWNERSHIP HISTORY To contact ChexSystems, you may use one of the following methods : ) ) ) Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are mandated to ensure the accuracy of the information they report. Additionally, consumers must be informed when their information is being shared.
Consumer complaint received 2024-07-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lendmark Financial Services (NC)

On XX/XX/year> and XX/XX/year> Lendmark Financial Services Inc sent me forged documents falsely claiming that I asked for a deferral of a loan agreement. When I did not sign the forged agreement, Lendmark Financial Services voided the documents, and filed a civil suit against me in court with a trial date set for XX/XX/year>. Making false claims about a debt, is against the law. In fact it is in violation of federal statute 15 USC Section 1692e Subsection 807 that states " a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Not only did Lendmark Financial Services Inc send forged documents falsely claiming that I requested a deferral, they also failed to notify me that if I failed to sign the forged deferral documents, I would be sued in civil court. 

In addition to violation of federal statute 15 USC Section 1692e subsection 807, Lendmark Financial Services Inc may have committed fraud by forgery. The state of North Carolina states that the elements of forgery occurs when a person uses a document to create a misrepresentation to obtain a benefit. The penalty for this offense if a class XXXX felony. 

I am seeking immediate relief due to the violations above. I am demanding that the civil suit against me be withdrawn, and I am demanding this account be closed and removed from all of my credit reports immediately. Failure to do so will result in me seeking legal counsel to explore all remedies allotted to me under federal and state law.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: RentDebt Automated Collections, LLC (TX)

I am writing in response to the recent statements I have received from your agency regarding a debt allegedly owed to Rent Debt Automated Collections. I am disputing the validity of this debt and request that you cease all communication with me in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

Firstly, I would like to bring to your attention the case of XXXX XXXX XXXX v. XXXX, XXXX XXXX XXXX, in which it was determined that mere statements are not sufficient evidence of a debt. Therefore, I am requesting that you refrain from sending any further statements as they do not provide adequate validation of the alleged debt. 

Furthermore, I would like to clarify that a cease and desist letter not only prohibits further communication, but it also implies the removal of any mention of this debt from my consumer report. As defined by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681a, communication includes the reporting of information to consumer reporting agencies. Therefore, I expect that upon receipt of this letter, any negative information related to this alleged debt will be promptly deleted from my consumer report. 

In the event that your agency fails to comply with my request and continues to harass and abuse me through improper communication, I want to make it clear that I am prepared to take legal action to protect my rights. Pursuant to the FDCPA, I may be entitled to actual damages, statutory damages, and attorney 's fees. Enclosed is an itemized list detailing the potential costs involved in pursuing litigation for harassment and abuse.

1. Actual Damages : - Cost of legal representation : $ ________ - Loss of productivity and time : $ ________ - Emotional distress and inconvenience : $ ________ 2. Statutory Damages : - Per violation of the FDCPA : {$1000.00} 3. Attorney 's Fees : - Cost of attorney 's services for litigation : $ ________ Please be advised that this letter is not an admission of any liability on my part regarding the alleged debt. However, I expect your agency to comply with all applicable laws and regulations, including the FDCPA and FCRA. 


Thank you for your attention to this matter.
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (PA)

Recently, I reached out to Discover ( credit card ) to inquire if they provided multifactor authentication ( XXXX ) for their accounts. To my surprise, they confirmed that they do not offer XXXX, and when asked if it was planned for the future, they also said no. Instead, they suggested that they had some sort of backdoor security measures in place for themselves, but not for consumers. When I asked how to submit feedback, they suggested doing so, but revealed that there isnt a direct feedback form available for customers. 

I find it ridiculous that a financial service does not offer two-factor authentication, especially when even simple gaming websites do. If Discover can implement backend security measures, why cant they implement XXXX on the customer-facing side? During my research, I encountered several people with the same concern. It seems like a straightforward enhancement that could provide an extra layer of security for consumers, and its baffling that in 2024, Discover still does not offer it
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KS)

I have contacted the Credit beer about these closed accounts that are old and some of them arent even mine. I requested proof of dad or for them to remove these old accounts and they have not. XXXXXXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$11000.00} Balance updated XXXX XXXX XXXX XXXX XXXX XXXX  POTENTIALLY NEGATIVE Balance {$6400.00} Balance updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$300.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX, XXXXXXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$620.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (FL)

I have attempted to dispute the inaccurate information that is continuing to report to the credit bureaus in my name. I need this collection that is negatively impacting my credit to be removed from my report immediately. Jefferson Capital Systems is reflecting a balance of {$1900.00} as of XX/XX/ XXXX  and should not be for several reasons. I am a Florida resident and they are not licensed in the state of Florida. I requested original signature documents to confirm this account and it was never provided. Where did they come from and why are they not removing the inaccurate information?
Consumer complaint received 2024-08-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (IL)

I, XXXX XXXX, became a victim of mortgage fraud therefore I submit this complaint against Nationstar Mortgage LLC d/b/a Mr. Cooper for initiating a new mortgage contract without my authorization, on or around XX/XX/XXXX. An alleged new no-cashout loan was posted to my account. To my knowledge, I assumed that I was making payments on the loan I refinanced in XXXX. I was constantly receiving notices from the bank claiming I missed this payment or that payment unaware that I was making payment on a loan I never applied for. After contacting my housing counselor she requested a copy of my loan payment history. This is where the new loan was discovered. After she had done full research, she found that the new in amount of {$200000.00} according to the payment history was never documented with the Recorder of Deeds in XXXX XXXX Illinois. The only loan I knew of was recorded in XXXX. Up till now I assumed that I was making payments on the original refinance loan in XXXX. I believe because I am a XXXX citizen I became a victim of Identity theft.
Consumer complaint received 2023-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair credit reporting act. The following account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX # UNKNOWN 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 consumer person knows or has reasonable cause to believe that the information is inaccurate. 

NO CONTRACT WITH THIS COLLECTION COMPANY. Police report on file
Consumer complaint received 2024-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (IL)

So I was called on this number ( XXXX ) saying he accidentally sent me XXXX dollars that could I forward it to him through another application so he doesnt get charged service fee I said okay no problem he said thank you you could keep {$40.00} for helping me out we got off the phone I sent it to him through XXXX  and then a few days later all this happens I called PayPal and explained what happened and customer service said I was being used as a money mule To PayPal
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (FL)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (AL)

I bought furniture from XXXX XXXX XXXX XXXX, Alabama approximately XXXX months ago. The store offered 12 months interest free versus me paying the entire amount up front. I agreed. I started getting worried after 2 months that I has not received a bill and, in addition, my credit rating was dropping ( I have never had a credit issue previously and always paid my cc monthly bills in full ). My credit score had been around XXXX but now had dropped to XXXX or so. I was worried. I contacted XXXX and, despite me giving them my correct address, they used a previous address ( I have no idea why ) for billing. Beyond that, the individuals at Well Fargo Bank ( the lender ) had an address to which they sent the bill that I had not lived for more than 5+ years. How they ever got that outdated address is beyond my comprehension. The bill went to that address, to which no one lived, for 2 months. I called them and the credit bureaus, filed a complaint and supposedly, they stopped the notice of delayed payments. In addition, I paid the bill in full. Now my credit rating shows that the Well Fargo account has been paid in full, but the delinquent notice still is present with my notice of payment. I believe that this delinquent notice needs to be removed from my credit rating. I've talked to Wells Fargo for hours and nothing seems to happen, despite this issue being 100 % their fault.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

XXXX  Block Request : Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

[ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely,
Consumer complaint received 2023-05-03
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: Experian Information Solutions Inc. (MD)

I sent a letter to all 3 credit bureaus on XX/XX/2023 updating my personal information that is inaccurately being reporting on my consumer report. I sent a copy of my ID as well as a utility bill along with the letter which I will also attach to this complaint. It has been well over 30 days and I have not seen any changes. My information is still inaccurately being reported.
Consumer complaint received 2024-02-07
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. (FL)

I would like to bring to your attention my continued concern regarding inaccuracies and mistakes on my credit report. It has been months since I initially brought these issues to your attention, and regrettably, the same inaccuracies persist in my recent credit report until now.
Consumer complaint received 2024-01-23
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 Reporting act 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 an account without my written instructions.
Consumer complaint received 2023-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent a letter to all 3 credit bureaus on XX/XX/2023 updating my personal information that is inaccurately being reporting on my consumer report. I sent a copy of my ID as well as a utility bill along with the letter which I will also attach to this complaint. It has been well over 30 days and I have not seen any changes. My information is still inaccurately being reported.
Consumer complaint received 2024-06-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (NC)

I am late on a bill, and the payment is scheduled. However, I am receiving excessive phone calls from this company. Today I have received phone calls as follows : XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  This is in addition to being emailed multiple times throughout the day.