davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
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. (KS)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-07-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC. (MA)

Today XX/XX/year> I called Midland Collection Agency to pay part of my bill. I told them I wanted to make a low payment. They asked me personal questions such as what happened in your life to make you fall behind on your payments and when did you stop paying. I was not comfortable with these personal questions. I kept asking them to just take the payment but they refused to take the payment and said they wanted to have a conversation instead and asked about my location. They said if I dont pay they will pass judgement in the law. They said I wasnt listening and if I wasnt ready to listen and have a conversation they wouldnt help me and then they hung up. I was very upset and my consumer rights were violated.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The CBE Group, Inc. (IL)

pursuant to 15 USC 1692g and in accordance with the updated Fair Debt Reporting Act ( FDRA ) guidelines, the account referenced as ( CBE GROUP XXXX ) is to be expunged from the report. Additionally, in accordance with 15 USC 1681c-2, all inquiries are mandated to be removed from my credit report.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I Did not consent these unauthorized inquiries and inaccurate address XXXX XXXX CT XXXX, FL XXXX XX/XX/XXXX XXXX MORTGAGE CREDIT XX/XX/XXXX XXXX XX/XX/XXXX CERTIFIED CREDIT XX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NY)

DISCOVER bank had inaccurately reported ( month / year ) as late and it has damaged my cred im it history and stopped me from getting approved for housing.. I asked them to send me proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.15 U.S. Code 1666b - Timing of payments ( 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. 
they have not given me the proof of the mailing or delivery of the information required by section 1666b, therefore violating section 15 USC 1681s-2. This account is in violation of 1681 eb because it is not accurately reporting ans demand this late payment be updated to paid as agreed
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2024-04-17
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. (KS)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX days old.
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-08-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (AZ)

I NEVER OPENED A NEW BINANCE ACCOUNT IN XXXX. I HAVE NOT USED BINANCE SINCE XXXX. THIS IS FRAUD AND A SCAM JUST LIKE THEIR CEO IS IN PRISON RIGHT NOW
Consumer complaint received 2024-07-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Portfolio Recovery XXXX ( a third party collection agency ) put a account on my consumer report. I have not received any correspondence from them other than what's on my consumer report. I have not received any letter, email, etc. I need the letter that they sent to my address stating that they gave me the time to actually dispute this debt before reporting to my consumer report and damaging my credit. Also, I need something in writing stating that I authorized PRA to buy this debt in my name to put it on my consumer report. I need an itemized bill and a wet signature stating that this debt is mine. From my knowledge, I have never had a contract with this debt collector for any debt. I am asking for them to provide proof from the original creditor that this debt collector own this debt and has the authority to collect on ( obtain ) said debt or delete this account.
Consumer complaint received 2024-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

I recently pulled my experian credit report, and noticed an account that doesn't belong to me. Account name is ( XXXX XXXX XXXX Original company : XXXX XXXX : {$480.00} Account # XXXX Date opened : XX/XX/2019 )
Consumer complaint received 2024-04-17
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. (WV)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-04-17
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. (NY)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-04-17
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. (CA)

To whom it may concern I applied for an auto loan in the XXXX  to only one company which is XXXX XXXX XXXX XXXXXXXX. I did not give consent to the dealership to use my credit for any other auto loans. I recently checked my credit report and was shocked to see numerous auto loan inquiries which I have no recollection of. I am assuming that they tried using my credit to approve any auto loans that they could with my report. I also submitted an Identity Theft Report to the Identity Theft website but have yet to see any progress.
Consumer complaint received 2024-04-17
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. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX Reported False Information Resulting in multiple ( 3 ) late payments, i wish for them refresh and update my payment history & removed those late payments!
Consumer complaint received 2024-02-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revenue Assistance Corporation dba Revenue Group (FL)

I received a collection notice from Revenue Group. On XX/XX/year> I completed a form on their website requesting a detailed description of the invoice related to the amount they say I owe ( {$1300.00} ). I did not receive any communication from Revenue Group.
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

XX/XX/year> cashed a us treasury check for loan forgiveness digitally using chase bank app for {$100.00}. XX/XX/year> check for {$100.00} returned for " ficticious/altered check ''. I went into bank to correct return sign initials on check to correct as requested by banker. Banker says check looks fine. My account is later frozen around XX/XX/year> I call customer service as my account is restricted and I can not withdraw and my funds are now restricted. Told they must talk to us treasury and account will be restored in 6 to 7 business days. XX/XX/year> It's been 7 business days and my account is still restricted. I need my money!
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (VA)

There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. 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.
Consumer complaint received 2024-04-17
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. (OH)

I XXXX XXXX did not authorize the following companies below to pull my credit. Each company is in violation of my rights as a consumer and I have tried to get these taking care of months ago with no headway -XXXX XXXX. I am in the process of renting a building and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 604,611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within XXXXdays. During the investigation period, the item I am disputing must be removed from my credit report.
Consumer complaint received 2024-07-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (MS)

I have a personal loan with OneMain Financial. 
OneMain Financial has been sending multiple emails and letters to me stating that due to my excellent payment history, I am pre-approved for up to a certain amount in additional loan and that it is a quick process that requires no phone calls or documentation. 
I have fallen for this false advertising twice with this company, once for a smaller amount that I was denied for earlier this year, and one that I was denied for last week but only found out today after calling the local office multiple times with no help. This advertising leads consumers into thinking that everything is already approved and that it is a quick process, only to find themselves negatively impacting their credit score for a loan application and getting denied because changes in income, etc. The business is taking advantage of consumers who are in need of money, if they weren't in need of money, they would not be applying for a loan, especially one with a high interest rate like OneMain offers. This kind of marketing needs to end. Consumers should have a crystal clear view of what a loan application process will be and what it requires as well as how it impacts credit.
Consumer complaint received 2024-07-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (VA)

XX/XX/XXXX Credit Karma XXXX XXXX XXXX account hacked into. Hackers transferred {$2000.00} from my XXXX account to my XXXX  Account. Hackers spent {$2000.00} using my hacked virtual debit card issued my Credit Karma Money at a XXXX XXXX in XXXXXXXX XXXX XXXX online. I noticed only XX/XX/XXXX when I logged into my account. Phone number also had been changed to an XXXX XXXX  area code number ( Im in XXXX, XXXX  ). Fraud dispute issued with Credit Karma Money, their bank and XXXX. Store called and alerted by myself. Credit Karma associate hanging up on me and refusing to assist. One told me I most likely am XXXX XXXX XXXX XXXX With?!? Please help.
Consumer complaint received 2024-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

I recently pulled my credit report and noticed and account that does not belong to me. 
Account name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Amount : {$380.00} Account Number : # XXXX Date opened : XXXX XXXX
Consumer complaint received 2023-08-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: NEW YORK COMMUNITY BANCORP INC (TX)

In a letter dated XX/XX/XXXX  Flagstar Bank indicated that a loss mitigation application was complete. I did not submit the application. I have been working with my state on Homeowners Assistance Funding. At the request of the State of Texas I contacted XXXX, however at no time did i indicated to XXXX XXXX XXXX Flagstar, my intent to enter into loss, mitigation. My preference is to wait for a decision from the state before entering into loss mitigation..
Consumer complaint received 2024-04-17
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. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-04-17
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)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

Cfpb claim number XXXX Took more than 30 days. You are now in violation. Requesting deleting all the items or XXXX XXXX XXXX $ for each violation on my credit report
Consumer complaint received 2024-04-17
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. (MD)

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. 
Creditor name : XXXX XXXX XXXX ; Account name : XXXX XXXX ; and Account name : XXXX XXXX XXXX all have violated my rights. 

15 U.S.C. 1681 A. States I have a right to privacy.

15 U.S.C. 1681 A Section 2 : It also states a consumer reporting agency can not furnish any accounts without my written instruction.

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 and any other adverse item of information, other than records of conviction of crimes which antedates the report by more then 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 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC. (NV)

Review credit reports and found a discrepancy of a XXXX credit card never applied for never used by me identity theft. Previously file identity theft reports as well as supporting documents from local agencies. This XXXX credit card was never used or ever been applied for by the complaintant. This XXXX credit card is demanded to remove XXXX
Consumer complaint received 2024-04-17
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. (MS)

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.