davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC (TX)

This item is being disputed I have requested proper verification of this debt, I asked XXXX, and XXXX to disclose documents which contains my signature. They only provided me with itemized documents. Per FTC opinion letter a printout of a bill or itemized documents does not constitute verification. Im asking First Source to provide me with documents bearing my signature and not an itemized printout.
Consumer complaint received 2024-05-25
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. (VA)

I recently reviewed a copy of my credit report and noticed some fraudulent accounts on my report. Please remove these accounts from my report immediately as they are hindering my ability to obtain credit. 

I want to emphasize the gravity of this matter and my expectation for an effective, yet prompt response met with urgency. Failure to respond in a satisfactory manner will compel me to pursue legal action against your agency, as allowed by law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statute cost of {$1000.00}, as specified in 15 U.S.C 1692k.

1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o Civil liability for negligent non-compliance 5. Violation under 15 U.S. Code 1681n ( b ) Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c Requirements relating to information contained in consumer reports 11. Violation under 15 U.S. Code 1601 Civil liability for negligent non-compliance 12. Violation under 18 USC 1028A Civil liability for negligent non-compliance 13. Violation under 15 U.S. Code 1692a Civil liability for willful non-compliance 14. Violation under 15 U.S. Code 1692b Civil liability for willful non-compliance I am taking this matter very seriously, and I demand that you take immediate action to block and permanently remove the fraudulent account from my credit report. I have provided all of the pertinent information to facilitate this process. I kindly request that you acknowledge this letter along with providing an acceptable timeline for the resolution of these matters.
Consumer complaint received 2023-06-09
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. (IL)

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX  XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$630.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-24
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. (TX)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address andSSNCard.
Consumer complaint received 2024-05-25
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. (GA)

XXXX XXXX XXXX is fraudulent this is not my account and according to FCRA section 605b it is illegal to report information on my credit report without my permission please remove Thank you
Consumer complaint received 2024-05-25
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. (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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-25
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. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-24
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)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




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 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

Why am I still receiving emails from the bureaus claiming Im assisting credit repair companies? This is incorrectI send the letters myself. Take action now, or I will pursue legal action. Here is the list of negative accounts and inquiries I want addressed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.
Consumer complaint received 2024-05-24
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)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2019-06-28
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: EQUIFAX, INC. (CA)

Equifax and Transunion are reporting incorrectly lates on the XXXX XXXX  partial account number XXXX. ( Please see pages 6 - 8 of the attached credit report. ) I applied for a loan modification and got behind on payments. I was then in a position to make multiple payments only to have the payments sent back to me. I was not aware that they would not accept partial payments. In the middle of trying to get the payment situation straightened out, my loan was sold without any notification to me. I was told that I would be able to make partial payments and get all payment caught up, however this was not true. Consequently, since the payments I made were not applied, I was zapped with late payments. This incorrect reporting is harming my credit score. Please delete these late payments from my credit report.
Consumer complaint received 2024-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have repeatedly asked you to verify and validate this account your willful non compliance and negligence has once again violated by consumer rights. 

The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. Account name : XXXX Account # XXXX The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. Account name : XXXX  Account # XXXX The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. Account name : XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. Account name : XXXX  Account # XXXX The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. Account name : XXXX XXXX  Account # XXXX The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. Account name : XXXX XXXX XXXX XXXX Account # XXXX The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. Account name : XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I am not able to login to my Bank of America account. When I try to login via web I receive the following message : " XXXX Banking is not available to you at this time. 
Please call us at XXXX. '' When I try to login in the XXXX XXXX, after giving my credentials ( user-ID and password ) it does not open the app. It will return to the login screen. 

So, I called the XXXX number and the agent called " XXXX '' employee ID # XXXX told me that I have to come a branch office with XXXX photo ID documents to authenticate myself. I explained that I live overseas ( XXXX ) and that is not an option to me, since it would take XXXX of dollars to fly to XXXX XXXX Florida where my account was opened and it would take XXXX hours flight to get there. I also explained to the attendant that on XX/XX/year> ( barely XXXX weeks ago ) I was forced to travel to the XXXX for the same reason. My login access and also my XXXX XXXX XXXX was blocked by Bank of America for no reason. I made a payment with my credit card, which is a recurrent payment I make on a monthly basis and the transaction was rejected and my acccount blocked. 
On XX/XX/year> I went to my branch office in XXXX XXXX XXXX XXXX and met with a senior Bank representative who helped me unblock my access and my credit card. To avoid future issues like this, he recommended to install the XXXX XXXX  on my cellular phone. I bought a wireless cell phone plan from XXXX and with the Bank of America Financial Consultant 's help I installed the XXXX app and I was able to login and perform financial transactions. From the cellular phone I received all text messages sent to authenticate myself and enable the use of the XXXX XXXX 
During the last XXXX weeks, up until XX/XX/XXXX I was able to connect both via XXXX XXXX, receiving text verifications codes that I input in the BofA XXXX and also in the XXXX without any issues at all. 
So, I need Bank of America to use either my cellular phone number to send verification codes to authenticate me or even my registered on file e-mail account. I can not afford to travel to the XXXX from XXXX every XXXX weeks, or every time they decide to block my account for no reason whatsoever.
Consumer complaint received 2023-03-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (CA)

I made two separate payments on my Target store credit card. XXXX on XX/XX/2023 for {$100.00} and another on XX/XX/2023 for {$300.00}. The payments were removed from my account on XX/XX/2023 and XX/XX/2023 respectively. Both payments are showing as posted on my credit card account, but without updating the available credit or actually giving me credit for the payments. I have contacted the company multiple times by phone and messaging. I was told because I made multiple payments over the billing cycle, all that cleared with no problem, they have to call so they can verify the payments with the bank. These payments were made using an account with the online banking XXXX, which they now say they can not call and verify. All I am being told now is I need to wait and there is no additional action I can take. This was told to me by a supervisor.
Consumer complaint received 2024-06-26
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: ProCollect, Inc. (CA)

Subject : Inaccurate Information on Collection Account - Dispute of Investigation Results and Potential Retaliatory Reporting I am writing to dispute inaccurate information on a collection account reported on my credit report and challenge the recent investigation by ProCollect that did not address their errors. There is also concern that this reporting may be an attempt to harm my credit reputation. 

The account number in question is listed with ProCollect Inc as the creditor. 

The following information on the account is inaccurate : Previously Disputed Issue : On XX/XX/year>, I submitted a dispute regarding the inaccurate information on this account. However, the recent investigation by ProCollect was unsatisfactory for the following reasons : Their investigation was insufficient. They did not consider the documentation I provided that proves I do not owe this debt. I called the company three times this afternoon and the call could not be transferred because I was calling from a blocked number. There was no human I could be transferred to per the Admin who answers their business line. 
They did not contact me to discuss the discrepancy, nor have they ever contacted me to discuss the discrepancy. 

They only mailed an itemized bill of charges from the original creditor. 

Potential Retaliatory Reporting : Because the statute of limitations has expired in the state of California, and they placed this complaint on my credit report in XXXX XXXX, I am concerned that ProCollect 's reporting of this debt may be an attempt to harm my credit reputation due to the inability of the original debtor to pay. This debt is associated with my adult son. I was never notified of delinquency by the landlord XXXX XXXX in XXXX, IA. 

It should be noted that my first notification of the debt was illegally via phone call from a ProCollect employee who called me on my mobile device, and threatened to sue me, he called me " irresponsible '' and demanded information about my employers. I contacted the credit bureaus immediately and learned that ProCollect never placed the " collection account '' on my credit report. There is no legal basis for including this inaccurate information on my credit report.

Evidence of Inaccuracy : I have seen copies of the documentation they provided with an itemized bill of property damage which clearly demonstrates the inaccuracy of the information or that I owe the debt. 

Request for Reinvestigation : I request that you reinvestigate this matter and ensure that the credit reporting bureaus have accurate information on my credit report. Please consider the evidence I have provided and contact me if you require any further clarification. I am also concerned that this reporting may violate the Fair Credit Reporting Act ( FCRA ). 

Thank you for your time and assistance.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to bring to your attention the ongoing issue I am facing with fraudulent items on my credit file. This is my second attempt to address and rectify this matter, and unfortunately, I have not seen any progress in resolving the inaccuracies on my credit report. I initially reported unauthorized and fraudulent items on my credit report to your organization. Despite my efforts and the submission of the necessary documentation, the fraudulent entries persist. I had hoped that my concerns would be promptly addressed and the inaccuracies rectified to restore the integrity of my credit history. Regrettably, I find myself in the position of having to file a second complaint regarding the unresolved fraudulent items on my credit file Despite my persistent efforts, the fraudulent items remain on my credit report, posing a significant threat to my financial well-being and creditworthiness. This situation has caused me considerable stress and anxiety, and I am deeply concerned about the potential long-term consequences if not addressed promptly. I kindly request an immediate and thorough investigation into the fraudulent items on my credit file and request their removal. If this issue is not resolved satisfactorily, I may have no choice but to escalate my complaint to relevant consumer protection agencies and seek legal advice to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XX/XX/year> ; XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XX/XX/year>.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.