davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-18
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. (PR)

The company said that the account belongs to me and that information is correct but, that is not true. That account belongs to someone in US and I have never had a account with XXXX. I live in XXXX XXXX and my address is totally different. Someone stole my information or did a mistake. Expirian did a very bad job in the dispute and I very disappointed. I want that account to be removed, is not mine!
Consumer complaint received 2024-08-06
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. (AR)

XXXX XXXX Account # XXXX I am writing to formally dispute the inaccurate and unauthorized reporting of the XXXX  XXXX account ( # XXXX ) on my credit reports with Experian and XXXX. This account has been sold to a third-party company without my consent, which constitutes a breach of privacy. Furthermore, the reporting on this account is inaccurate and inconsistent, and I demand its immediate removal from all credit reporting agencies. 

Issues Identified 1. Unauthorized Sale and Privacy Violation : The account was sold to a third-party company without my consent, constituting a breach of my privacy rights. I did not authorize the sale or transfer of this account.

2. Inaccurate Reporting : Last Reported Date : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Debt Status on XXXX : XXXX inaccurately reports that the debt is not satisfied, despite being legally settled. 
Date Last Active : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX These inconsistencies and errors are misleading and damaging to my credit profile. 

Violations and Impact The presence of this account, along with its inaccurate and unauthorized reporting, indicates significant issues in the handling of my personal information and credit data. The discrepancies in the reported dates and debt status, as well as the unauthorized sale of the account, violate my rights under the Fair Credit Reporting Act ( FCRA ) and privacy laws. 

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this requirement.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.

6. Right to Privacy : The unauthorized sale of my account to a third party without my consent is a clear violation of my privacy rights, which includes the protection of sensitive information from unauthorized disclosure.
Consumer complaint received 2024-08-21
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: CAPITAL ONE FINANCIAL CORPORATION (OR)

Capitol One credit card was issued in XXXX of XXXX, closed in XXXX of XXXX Credit report is showing a balance due of {$730.00}. They have an XXXX XXXX address listed for somewhere I have never lived. I have reported it as fraud to their department, but their investigation found no fraud. I have never had a Capitol One Credit card or charged anything to their company. This fraudulent charge has been damaging my credit score for almost four years now. I have disputed the charges through XXXX and filed a fraud report with the FTC, Report Number XXXX. Capitol One 's fraud department has failed to find any wrongdoing on their part, but they are unable to name anything that was actually purchased with the card or provide the address where the card was issued.
Consumer complaint received 2024-05-31
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. (CT)

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 Account Name : XXXX Account Number : XXXX and 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 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-08-21
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. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-16
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Receivables Management Corporation (SC)

Complaint Regarding Improper Disclosure of Personal Medical Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the improper disclosure of my personal medical information by XXXX XXXX and Receivables Management Corporation. This violation of my privacy rights has caused me significant distress and raises serious concerns about the handling of my confidential information. 

I recently requested validation of a debt associated with my account from Receivables Management Corporation. To my astonishment, the documentation I received not only included basic information related to the debt but also sensitive medical details pertaining to my health issues and treatment. This disclosure of my personal medical information is a clear violation of my rights and raises concerns about the agency 's compliance with privacy laws and regulations. 

I believe the actions of XXXX XXXX are in direct violation of the following regulations : - The Health Insurance Portability and Accountability Act ( HIPAA )- which protects the privacy and confidentiality of medical information.

- The Fair Debt Collection Practices Act ( FDCPA )- which outlines guidelines for fair debt collection practices and prohibits unfair or deceptive acts by debt collectors.

Requested Action : In light of this serious breach of my privacy rights, I request the following actions be taken by the Consumer Financial Protection Bureau : 1. Investigate the improper disclosure of my medical information by Receivables Management Corporation 2. Ensure that appropriate penalties or corrective actions are imposed on the collection agency and the hospital for their violation of privacy laws. I never agree to have my sensitive information to be shared to Receivables Management Corp. Im embarrassed that they know my treatment and everything else.

3. Provide guidance and recommendations on how I can protect my privacy rights and prevent further unauthorized disclosures.

4. Advise me on any further steps I can take to address this matter and seek appropriate remedies.

I have attached copies of relevant documentation, which highlights the specific improper disclosure of my medical information. I appreciate your attention to this matter and your efforts to protect consumer rights.

Please feel free to contact me at XXXX or XXXX if you require any additional information or documentation to support this complaint. 

Thank you for your prompt attention to this serious matter. I look forward to a swift resolution of this issue and your assistance in safeguarding consumer privacy. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-30
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. (NY)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-19
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Fairway Independent Mortgage Corporation (OR)

I was set up on a reverse mortgage in XXXX by a family friend that's works with refinancing on a reverse mortgage. I was supposed to receive a check for life at XXXX in XXXX that check stop.my son been helping me with the computer. Now I was told tonight by XXXX XXXX located in XXXX XXXX. Hey were supposed to email me the closing figures that's fairway independent mortgage paid they said they would make sure I got a check for XXXX plus XXXX and they paid off my fist Morgage at XXXX for XXXX, now this was supposed to be out of a check written to me for the amount XXXXnow later down the line i had XXXX sent to my bank account so we are plus XXXX in closing cost so now we are at XXXX .this whole time i been paying interest on this loan for XXXX my house is worth XXXX some were some one line there pocket from the XXXX.I am going out there tomorrow to get the original paper work i was never told that i was getting a check for XXXX .all i was told I would get a check for market price at the time XXXX was XXXX, XXXX " " " " " " " " " " i have flied for 4 other complaint 's i am not getting any younger at this rate they are living on my money one of the companies pocket my money. I work hard all my life just to give way my house i don't think so.I have their rules maintain the property paid the house insurance paid property tax XXXX XXXX XXXX XXXX XXXXXXXXI pay my bills on time and now that i found out tonight that i been paying interest on my loan that i never received in all case i am still owed XXXX that a big difference a veteran and this is how they treat a law biding citzen.please follow up on this this is big time h robbery.
Consumer complaint received 2023-06-15
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (FL)

I believe I am a victim of domestic XXXX by XXXX former attorneys employer and my ex-husband/ I have also reported them to the board of law/ I had been with XXXX XXXX XXXXXXXX since XXXX also a XXXXXXXX XXXX XXXX XXXX holder and the problem started in XXXX when I left my position at XXXX injectables all of my bank accounts have been hacked I had reported all of this to each bank I moved from XXXXXXXX XXXX to Citibank I also had a discovery card that I have reported the problems to I have been unable to turn on my cards turn on my credit since XXXX I have over {$350000.00} worth of frauds I only have XXXX bills I am paying out I have now never shut down the account at Citibank they have illegally shut down my account and have withdrawn over I would say {$60000.00} out of my savings account as well as my checking account they have not credited multiple frauds of charging me triple the amount of money for medical insurance I am now unable as a result to pay for medical insurance they have stolen over {$350000.00} from these accounts I have now moved to XXXX bank where I am having a problem even with is the bank paying the checks directly they are changing my accounts changing the addresses I have I believe might be a fraud loan at XXXX XXXX XXXX XXXX XXXX had to pay employee to sit on the phone with these companies for over e-hrs a week ; I have paid insurance XXXX x changed in XXXX different accounts for same bills ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Provide method of verification used in your reinvestigation results to prove item you are actively reporting is 100 % correct. Also provide a copy of the reinvestigation results by mail. Per your referenced dispute initiated on XX/XX/XXXX - report # XXXX. 

Your reinvestigation information stated : " this item was updated from our processing of your dispute in XX/XX/XXXX. '' Nothing was updated, deleted or changed. With whom did you speak to verify the results of your reinvestigation into this matter? Please provide. If you can not provide me with this information, please permanently delete from my consumer report. 

Item does not belong to me : DELETE : XXXX XXXX XXXX  PA XXXX It is your duty to follow the laws enacted by Congress. You have express requirements to adhere to and must ensure that your company is meeting its " legal obligations, including responding appropriately to errors. Please refer to Suluki v. Credit One Bank, NA, No. 23-721 ( 2d Cir ).
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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 2023-06-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (NY)

: On XX/XX/XXXX, I mailed a letter to validate a collection that is being reported to the credit bureaus. 
The account was opened with Calvary on XX/XX/XXXX, showing a balance of {$5700.00}. Calvary Port failed to respond to my validation letter. The uploaded attachment is the letter that was mailed.

Cavalry is currently reporting a collection on my credit report, which I would like to resolve as soon as possible in order to rebuild my credit. 
I sent a debt validation letter to Cavalry on XX/XX/XXXX, which they received on XX/XX/XXXX. They responded within the XXXX window, but they did not include any actual validation or proof of the debt. Rather, they simply affirmed their position that I owe them money and let me know that this matter is currently with their lawyers. ( Considering that it would be illegal for Cavalry to sue me for this debt in New York, I am not sure why they felt the need to mention this. ) I would like for this debt to be removed from my credit report.
Consumer complaint received 2024-05-31
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. (CA)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-31
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. (LA)

XXXX XXXX XXXX # XXXX The above account is not my account. I have no knowledge of this account. I have reached out 5 times to the credit bureau asking them to remove this accuracy. FRCA states all information should be 100 % accurate and true! XXXX XXXX XXXX is not my account and I demand that it be removed off my credit report. The credit bureaus has not responded and this false account need to be removed immediately.
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-05-31
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. (NJ)

PLEASE BLOCKED AND REMOVED It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2023-07-24
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. (GA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-06-28
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. (MD)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-08-06
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. (CA)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

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




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.