davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
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: EQUIFAX, INC. (GA)

On XX/XX/year> reported a inquiry that I didnt approve of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-06
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. (VA)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health
Consumer complaint received 2024-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (SC)

They are saying I gave someone XXXX miles away permission to use my card when I was obviously in florida with all my stuff working and using said payment method in south carolina. Claim number XXXX. I want to start a class action suit against wells fargo.
Consumer complaint received 2024-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MS)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge 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: WELLS FARGO & COMPANY (PA)

I was charged {$990.00} on XX/XX/year> by a company called XXXX to my debit card/Visa linked to my Checking account. This was the total from 4 transactions. I immediately disputed these four transactions with Wells Fargo. They have declined my dispute. However, these are not my charges. I did not authorize them. Wells Fargo has refused to assist me with this issue.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I am unaware of this debt. I never received proper notification of this debt via certified mail, which prevented me from disputing the information.Proper notification is required to ensure that individuals have the opportunity to review and address any debts. If in fact you believes you have provided proper notification.I request that you supply me with a certified receipt, including my name and signature on it. In order to confirm receipt of notification. This is a violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (NY)

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 : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX New York 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 2024-06-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Contemporary Information Corp (PA)

My name is XXXX XXXX and the last four of my social security numer is XXXX. I recently was denied for an apartment. I received my Tenant Screening Report from XXXX and was appalled to find out that XXXX is reporting fraudulent information that do not belong to me. Did you confirm my full identifiable infortmation as in my full social security number, my full date of birth and my personal identification? You must not have because you would not have posted this information in my consumer file. You are reporting 3 evictions under NATIONAL CIVIL COURT RECORDS SEARCH and they are the following : Case # : XXXX Plaintiff : XXXX XXXX XXXX XXXX, Case # : XXXX Plaintiff : XXXX XXXX and Case # : XXXX Plaintiff : XXXX XXXX XXXX XXXXXXXX XXXX. I HAVE NEVER LIVED IN THOSE PLACES. I have attached with this complaint a copy of my FTC Identity Theft Report. The Federal Credit Report Act Under 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I have attached with this complaint a copy of FTC Identity Theft Report. Also 15 U.S. Code 1681c2 - Block of information resulting from identity theft. ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. PLEASE REMOVE THIS FRAUDULENT INFORMATION FROM MY CONSUMER FILE WITHIN 4 DAYS OF RECEIVING MY IDENTITY THEFT REPORT PER FEDERAL LAW. The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the accuracy, privacy, and fairness of credit information. Violations of the FCRA can lead to civil penalties, including monetary damages, for those found to be in non-compliance. if a consumer can prove that a credit bureau 's violation of the FCRA was " willful '' ( reckless or knowing ), they may be eligible to recover damages. These damages can include Actual damages, Statutory damages : Between {$100.00} and {$1000.00} for each violation, Punitive damages : Based on the harm caused by the violation and what would be needed to deter similar violations in the future. I am a litigious consumer and one of the FCRA violations I can fie a lawsuit is your Failure to Delete inaccurate information. I have attached a copy of my passport for identification purposes as well.
Consumer complaint received 2024-06-24
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CCF Intermediate Holdings LLC (TX)

I don't have the exact dates it was around XXXX XXXX, XXXX, or XXXX. I was making payments everything I got paid and then I get a notice that I owed XXXX XXXX XXXX I don't have any records of anything at the moment doubt I'll find any I have. But I'm pretty sure I was on maybe two or three payments left.
Consumer complaint received 2024-06-23
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Designed Receivable Solutions, Inc. (AL)

Ive requested a debt validation letter and they have ignored me. I requested in writing not to be contacted about this debt and theyve ignored me. They are calling multiple times in one day and often back to back. They refuse to validate debt and stop collecting efforts. DESIGNED RECEIVABLE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-12
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. (NC)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-12
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. (PA)

Once again, this is my third and final attempt. I am a victim, identity, theft, and right to dispute this information. My file result from the crime I have repeated and reported this information over and over again. I was incarcerated when this fraudulent and inaccurate and negative account was issued. I have had this account erased properly and proven to the other consumer reports and credit bureaus and I have had no problem getting it taken care of however, these two companies XXXX and XXXX XXXX XXXX XXXX will accurately investigate and properly remove these fraudulent accounts.

Required section of fair credit report, USC 1681. Im requesting that these items immediately be removed.!

Is derogatory and fraudulent on my credit report because it is also illegal. 

XXXX XXXX XXXX XXXX Closed account XXXX Charged off XXXX XXXX  Immediately remove this please its immaculate fraudulent and not to mention That I have also provided the collection company letter for XXXX XXXX XXXX that was sent to me telling me that they are ceasing in assisting and that I am no longer responsible for this because it is not mine and Why would the collection company of the original creditor XXXX XXXX  cease in the Immediately stop collecting and your company will not. I am done asking XXXX XXXX  to immediately remove this fraudulent account from my report or I will be taking action because my fair credit report laws are being violated and it is affecting me negatively. Thank you.

I have provided the companies with the FTC report. The
consumer finance protection bureau reports I have complained. I have provided police reports now I have also provided the letter from the company that ceasing the assisting, which is the collection company so why would the original original account account not get erased make it make sense Transunion?

I also immediately want my information erased from these companies database because it is negatively affecting me from future accounts and future reputable relationships with these companies because I am negatively in their database, which is unacceptable because it is not my fault and I have amazing credit and I pay my bills and this was not opened by me and is fraudulent and I deserve the right to have it removed immediately. Also, I want removed negatively from your database so that I may one day ask or get granted credit in the future, thank you
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my credit report, I noticed an inquiry. I want to clarify that I did not authorize this inquiry, nor did I provide any consent for my personal information to be accessed by this entity. 
According to the Fair Credit Reporting Act ( FCRA ) i have a right to dispute any inaccuracies in my credit reports, including unauthorized inquiries. 
I kindly ask that you investigate this matter and take appropriate action to remove the unauthorized inquiry from my credit report.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TekCollect Inc. (NC)

TEK COLLECT is falsely reporting on my credit. I have never had any accounts with them. Per my research TEK COLLECT is a debt collector. They are falsely reporting to my credit! Account # XXXX are falsely reporting to my credit file and are against my rights and fair credit act. Under 15 U.S. Code 1681d - Disclosure of investigative consumer reports ; you are in violation. I have attached the definition so you can see the violation! ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested I request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature with TEK COLLECT. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g I further remind you that, as in Wenger v. Trans Union Corp., No. 95- 6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

These accounts and inquiries was done without my permission or consent please remove all from my credit report.

Fraudulent Accounts XXXX XXXX {$44000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1100.00} XX/XX/XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-12
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. (MI)

These accounts and inquiries was done without my permission or consent please remove all from my credit report. 
Fraudulent Accounts XXXX XXXX {$44000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXX XXXX Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

My account with those creditors was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act. The listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. XXXX XXXX  XXXX has violated my rights. 
15 U.S.C. 1681 Section 1 602 ( a ). states I have a right to privacy. 15 U.S.C. 1681 604 ( A ) Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-06-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Byrider Franchising, LLC (OH)

I am XXXX XXXX XXXX and I have never had a auto loan for a vehicle ever, my mom and dad have always purchased my cars cash and advise me to stay away from Loans, so this account is date shown that is was open was XX/XX/year> and yet I have filed dispute after dispute and yet have had this inquiry that I have any awareness of removed.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Westlake Services, LLC (TX)

My information was used for an unauthorized inquiry performed by Westlake Service Inc on XX/XX/year>. Westlake Service fraudulently opened an account on XX/XX/year> in the amount of {$15000.00}. A vehicle was purchased at XXXX XXXX XXXX in XXXX, NC. I have never been to XXXX, NC. I found out that my information was part of the XXXX data breach. I contacted XXXX XXXX XXXX and they have not provided evidence of how they verified identity. They are unwilling to provide any information. I have contacted Westlake Service regarding this account, and they could not provide evidence on their process to verify identity. I have submitted several disputes with all credit bureaus. Westlake Service needs to take responsibility for their fraud, and remove the inquiry and the account from my credit report as I am a victim of fraud. I have filed and Identity Theft Report with the with FTC and my local sheriffs office.