davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (PA)

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

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

Pursuant to 15 USC 1681 section 602 ( a ) states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.
Consumer complaint received 2024-08-18
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MA)

I opened this card only because I was promised a {$100.00} instant discount at the time of purchase. However, the discount was never applied. I called twice, and also submitted a dispute resolution. A month has passed, yet there is no resolution and no credit.
Consumer complaint received 2023-11-02
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)

Account was disputed and kept coming back verified. The account is. Reporting inaccurate information according to the FCRA 15 usc 1681 e b all information reporting to someones credit report must be accurate or shall be removed immediately *Account says it was opened on different dates *Date last report is different
Consumer complaint received 2024-06-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (SC)

This company purchased my debt for original party I had a loan with them during Covid-19 and defaulted on said loan I was not afforded my rights under The CARES Act or made aware of such rights section 2202 a8. 2202 allows for an additional year for repayment if I was allotted this time, I would not have defaulted on said loan, I do not think it is lawful to sell of purchase this debt under these conditions.
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Account is not mine. Credit alert set up and police reports sent in regards to existing fraudulent accounts. 

This frauduent account new on my credit report : Date account created was XX/XX/2015 right after my ID theft report. 

Never opened this account, never been late on a non existing account. 

Account number on credit report : XXXX Called with no resolution. 

Please resolve, thank you both XXXX and Transunion, XXXX XXXX XXXX
Consumer complaint received 2024-06-25
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I just checked and reviewed again my XXXX, Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (FL)

To SLS and shellpoint Your company has made a mess of my loan and a lot of mistakes and delays. 
I am requesting the following 1. explanation of debits and credits not explained to me from XX/XX/year> to the current month that show on my statements that I was told they would be explained to me and they have not. 
2. I was told not to make any payments until I received my modification papaerwok which I received a few days ago with incorrect info.

3. I am requesting for the balance past due to be placed at the end of my loan and continue making my regular payments of the amount {$3300.00} starting XXXX but I need to know so I can go ahead and make that payment asap, it was your bank who delayed this process due to the switch between companies, I emailed the person assigned several times to get the paperwork in order for me to make my payments and I was told to wait first by SLS then by shellpoint. 
4. Negative report to credit bureau needs to be removed or additional complaints will be filed. By law I am protected while this process takes place 5. Please reply to me by XXXX so I can make the payment for XXXX. It was your bank who send me this paperwork last minute and asking for a payment from XXXX? When you told me to wait until I get my paperwork to start making my payments. And I have records of that.

6. If no response is received additional complaints will be filed.
Consumer complaint received 2018-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PR)

I have incorrect information shoeing a car repossed and late payments on my mortgage which i have never been also it shows late payments on a joint account i never agreed to its all errorz. They refuse to eliminate my incorrect negative accounts all 3 credit bureaus for last 10 years. I wish i would had known about this website. XXXX bless
Consumer complaint received 2024-06-25
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. (TX)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Property Receivables, Corp (OK)

I am writing to formally dispute a collection again that has appeared on my credit report. I have never received any communication from this company or lived or associated with them. Upon reviewing my credit report, I noticed that the collection amount and information are identical to a previous collection that I have already paid in full. 

Furthermore, I do not have any agreement or documentation with the said company. This demand for payment on a collection that has already been settled, and for which I have no legal or contractual obligation, is not only unjust but also a clear violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Violations include : Fair Debt Collection Practices Act ( FDCPA ) : Under the FDCPA, it is illegal for a debt collector to attempt to collect a debt that has already been paid. Your attempt to collect this debt again constitutes deceptive and unfair collection practices. 
The FDCPA also requires that the collector send a written notice within XXXX days of contacting me, outlining the debt details and my right to dispute the debt. I have received no such communication. 
Fair Credit Reporting Act ( FCRA ) : The FCRA requires that all information provided to credit reporting agencies be accurate. Reporting a paid debt as unpaid is a violation of this act, and it damages my credit standing without justification. 
I have the right under the FCRA to request that this inaccurate information be corrected or removed from my credit report. 
The presence of this erroneous collection on my credit report is causing significant setbacks in my financial life. I request that this matter be investigated immediately and that the erroneous collection be removed from my credit report. Additionally, I demand that you cease any further attempts to collect on this debt, as it is unlawful to pursue a debt that has already been settled and for which no agreement or documentation exists. 

Please confirm the removal in writing and provide an updated copy of my credit report once this issue has been resolved. If this situation is not corrected promptly, I will not hesitate to take further legal action to protect my rights. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Aldous & Associates, PLLC (OH)

I'VE BEEN A VICTIM OF IDENTITY THEFT. XXXX XXXX XXXX HAS STOLEN AND USED MY INFORMATION ON MULTIPLE ATTEMPTS!! THIS FRAUDULENT ACCOUNT HAS BEEN SENT TO COLLECTIONS ON XX/XX/year>, AND IS NOT MY ACCOUNT!!! SHE LIVES IN XXXX, I RESIDE IN XXXX XXXX! PLEASE PUT THIS ACCOUNT IN HER NAME! SHE IS THE XXXX WHO RESIDES OR RESIDED IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing to address a concerning issue regarding my credit report. Upon careful review, I have identified several instances of late payments that are inaccurately recorded on my credit history and I would like to dispute these erroneous information. I strongly believe there is an error in the reporting of these late payments, as I have consistently made timely payments for the mentioned accounts. I also called the banks and they said they would correct and update the accounts. I kindly request your assistance in investigating this matter and, if warranted, correcting the information on my credit report. I am fully aware of the significance of accurate credit reporting and am dedicated to upholding a positive credit history. Hence, I would appreciate your prompt action on this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (AZ)

The company for brooklane apartment 's reporting incorrect information I have asked this company several times to support documents and a copy of receipts for the damage for the apartment. The apartment 's have supported false and fabricated charges therefore needs to be corrected or deleted. 

according the banking act and my documents brooklane apartment did not extend credit to me I extended the credit to brooklane apartments. 

I gave them my all business name and my social security which is my credit card for use for commerce and I am the creditor and I applied my application and signed a contract it was already paid for it was pre paid by my signature it was a note.
Consumer complaint received 2018-01-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken (PR)

Digital exchange Kraken https : //www.kraken.com/ is indefinitely withholding the digital currency XXXX XXXX from an XXXX that they originally promised to distribute on XX/XX/XXXX. 

XXXX XXXX XXXX After failing to deliver the tokens, they said they would be participating on the extension deadline and would deliver by XX/XX/XXXX. They have again failed to deliver and even their help support employees have no idea when it will be delivered. 

XXXX XXXX XXXX Here is their latest response to the request that was made over six months ago : XXXX ( Kraken Support ) XX/XX/XXXX, XXXX PST Hello, Thank you for your message. 

Kraken has n't distributed the XXXX XXXX ( XXXX ) for the giveaway as of yet. Nor have they released any further information to us here on the support channel. 

Please, note that even we currently do not have an ETA this does not mean that the XXXX XXXX ( XXXX ) will not be distributed even if it is after the deadline that was set earlier. 

Kind Regards, XXXX Client engagement specialist Kraken They are holding millions of dollars in XXXX XXXX  XXXX digital currency from the giveaway and their customers are suffering by losing opportunity costs and we have no idea when the issue will be resolved. Their digital exchange is suffering many usability problems and it is very concerning that the clients will never receive their respective XXXX.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX XXXX XXXX XXXX, Attorney XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA To : CAPITAL ONE XXXX Capital One XXXX XXXX, VA XXXX Dear Capital One, Our client. XXXX XXXX, has hired us to represent their interest in resolving this matter. This cover letter and Notice and Demand ( attached ) serves as an official notice to you and your clients XXXX, XXXX, and XXXX and may be tendered in court as evidence of your blatant failure to cooperate and adhere to the FCRA, State and Federal laws including but not limited to 15 United States Code 1681 ( a ) ( 2 ) ( A ) ( i ), 15 United States Code 1666 ( b ), and section 1637 ( b ) of Title 15. 

PLEASE SEE ATTACHED
Consumer complaint received 2024-06-25
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. (CA)

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$300.00} XXXX XX/XX/year>
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 furish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Consumer complaint received 2024-06-21
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. (NC)

After demanding that XXXX XXXXXXXX XXXX be deleted, Experian and XXXX have failed to remove this collection off my credit report. They are willingly neglecting my rights of privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. 
Best regards, XXXX XXXX
Consumer complaint received 2024-07-25
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: TD BANK US HOLDING COMPANY (TX)

I have tried more than once to amicably resolve this issue with TD, but they refuse to comply. I now intend to exercise my dispute resolution agreement and arbitrate with them if this can not be resolved.
Consumer complaint received 2024-06-21
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: Experian Information Solutions Inc. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-13
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. (NJ)

It has been brought to my attention that you are not REMOVING items when theyre sent with an FTC report. Since it is a requirement by law 605b of the FCRA Im sending this complaint certified mail to help establish a legal recourse. If you choose to not remove the items listed below that is reporting inaccurately due to unauthorized inquiry reporting, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the inquiry as it is fraudulent & was opened without my consent or knowledge. If you claim this inquiry and the addresses are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with these items which bear my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number : EXPERIAN XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged fraudulent. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.
Consumer complaint received 2019-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My credit report has so many incorrect accounts reporting to my file, unknown and unauthorized accounts inwhich I'm writing to be removed immediately, or the three ( 3 ) major reporting agencies must delivered to me a physical certified signed contract that validates their reporting. These accounts are not mines and I would appreciate if they were immediately deleted. Account # 1, Missouri XXXX XXXX {$6300.00}, Account # 2, XXXX XXXX XXXX {$440.00}, Account # 3, Missouri XXXX XXXX {$78.00}, Account # 4 XXXX XXXX XXXX XXXX {$2600.00}, Account # 5, XXXX XXXX {$820.00}, Account # 6, XXXX XXXX {$120.00}, Account # 7, XXXX  {$670.00}