davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-25
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. (MN)

I have multiple credit report hard inquiries that have not been authorized and I need the remote for my credit report because it has a negative impact on my score. Below are the dates and the company that reported it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-13
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. (CA)

XXXX XXXX  is reporting an account on my credit file despite receiving a letter from me requesting the removal of the account and providing documentation several times. The account is fraudulent, and they have not removed it as requested. They continue to report incorrect information regarding the account balance. This violates my rights, and I am concerned about the impact on my credit score.
Consumer complaint received 2024-04-19
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. (TX)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-20
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: EQUIFAX, INC. (FL)

I am interested in processing disputes on my credit report to delete an remove all inaccurate information on my credit report with Equifax. this issue needs to be fixed asap. looking over my file all data is invalid an is causing denials an hurting information listed on public records. please review an delete the following data to clear my credit report asap.
Consumer complaint received 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My XXXX check was stolen from my account that Bank of America deposited the funds into their bank. As soon as the funds were deposited, they were withdrawn. I sent Bank of America a copy of my drivers license. To show whoever stole my funds from my Bank of America debit card wasnt me. This is the second time that this has happened. It seems like Retaliation I used to work for Bank of America and they fired me have a XXXX. So I filed a complaint against them. And this is the second time they start taking my money from my account. Last time it took XXXX months for them to refund my money.
Consumer complaint received 2024-01-25
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-12-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BARCLAYS BANK DELAWARE (PA)

Insurance companies and some banks including Time Shares, WILL NOT issue a receipt of payment, they required us to sign up for automatic payments, but will not notify us with a receipt of payment when the withdraw a payment. They will give us an option to go paperless but will not give us the option to receive a receipt of payment with a confirmation. Some of my check / credit card accounts are 3 to 6 weeks before I see the withdrawal.
Consumer complaint received 2024-04-15
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. (FL)

THE COMPANIES ARE EXPERIAN, XXXX, XXXX, AND XXXX XXXX There are unauthorized inquires, collections, and charge off accounts on my profile. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have never received a 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 code 18 USC 1028A, they did not provide me evidence stating that I have signed any sort of agreement with the said companies. They don't have my wet signature and they have not sent me the debt from the original collector, | sent out countless disputes to these companies stating 15 US. Code S 1681C-2 A consumer reporting agency shall block the reporting of any information on file of a consumer that the consumer identifies as information that result from an alleged Identity theft, no later than 4 business days after the date of receipt. It has been 30 days, and they are in violation of this law because | am a victim of Identity theft. Please! just want these deleted immediately! These accounts should not be furnished on my consumer report as they are in violation Under, 15 US Code 16818, 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. 15 USC 16816 states " Any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer. That is Aggravated Identity Theft 18 uSc I028A because they have possession of my information, and they are also using it without consent from the consumer me. 15 USC 6802 A Financial Institution may not disclose nonpublic personal information to a nonaffiliated Third Party unless - They give you the consumer the opportunity to exercise your right to opt - out They dont have a CONTRACT WITH THE ORIGINAL CREDITOR WITH MY WET SIGNATURE. I REQUESTED PROOF OF THE DEBT ASSIGNMENT.

I REQUEST THE PAYMENT HISTORY WITH ASSIGNED OR PURCHASED DEBT AND THEY DID NOT SEND. ITS been far longer than 30 DAYS and it is still not deleted off of my credit profile.
Consumer complaint received 2024-01-25
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. (FL)

I want to emphasize that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully urge you to prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly appreciated.
Consumer complaint received 2023-09-14
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: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX Balance Owed : {$870.00} XXXX XXXX XXXX Balance Owed : {$3200.00}
Consumer complaint received 2024-04-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC (NE)

I contacted the originator of the debt they said they never had an outstanding balance from me that they sent to collection and everything on my account was still pending with insurance on XX/XX/year> I called the originator billing office and they stated they never sent any bill to collection and that all my balances were paid in full or pending and that they had no outstanding balance or collections sent XX/XX/year>
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, 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. (GA)

I don't why it happened but I know for sure that this inquiry is not authorized by me and was done by that creditor without my consent! You must remove this as soon as possible.
Consumer complaint received 2024-04-13
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. (TX)

I recently received a copy of my credit report and was shocked to discover that I have been a victim of identity theft. There were numerous accounts on my credit report that I did not open, which has been causing problems for me as I am in the process of buying a vehicle for myself and my daughter. Could you please remove the fraudulent accounts from my credit report as soon as possible?
Consumer complaint received 2024-01-25
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. (WA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

To Whom It May Concern : I believe I am a member of fraudulent activity on behalf of Experian Credit Reporting Agency. On XX/XX/2024, I reached out to Experian regarding inaccurate credit reporting on my credit report. I have spoken to a member of customer service at least once per week since XX/XX/2024, and continue to not receive resolve regarding my two accounts in question. 

Today I was informed that it will take XXXX calendar days for them to research my dispute even though they have all the supporting documents. They stated that XXXXXXXX XXXX would need to verify the settlement and XXXXXXXX XXXX would need to verify the settlement. It should be noted that both companies charged off the accounts and sold them to XXXX party collection agencies. The letters attached are from the XXXX XXXX collection agencies verifying payment made in as agreed upon in the settlement agreement. 

In speaking with the one customer service agent " XXXX '' when asked to be transferred to a supervisor he refused and stated if I would not allow him to manage the concerns, he would disconnect the phone call. After going back and forth with " XXXX '' and him not being able to assist me with my concerns, he disconnected the phone call. I called again and spoke with " XXXX '' who opened XXXX disputes. Still not assisting with my concerns. When asked if I could be transferred to a supervisor, he responded yes, however returned after having me on hold for XXXX minutes stating there were no supervisors available to address my concerns.
Consumer complaint received 2024-04-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (TN)

Dear CFPB, I am writing to file a formal complaint against Credit Collection Service Collection Agency regarding their collection practices in relation to my account with them, identified by account number XXXX. I just looked at my credit report today, XX/XX/24 and I see that Credit Collection Service Collection Agency has been violating my rights as a consumer under various provisions of federal regulations and statutes.

Specifically, Credit Collection Service Collection Agency is in violation of the following regulations and statutes : 1. **12 CFR 1006.34 ( b ) ( 5 ) ** : This regulation outlines requirements for debt collectors in providing validation of debts. Credit Collection Service Collection Agency has failed to provide proper validation of the debts associated with my accounts as required by this regulation.

2. **12 CFR 1006.34 ( c ) ( 4 ) ( i ) ** : This regulation pertains to the provision of written notice by debt collectors. Credit Collection Service Collection Agency has not provided adequate written notice regarding the collection of the debts in question, as mandated by this regulation. 

3. **12 CFR 1006.34 ( d ) ** : This regulation addresses the timing of validation of debts. Credit Collection Service Collection Agency has failed to adhere to the specified timeframe for validating debts, as stipulated by this regulation. 

4. **15 USC 1681-S2 ( 7 ) ( A ) ** : This statute concerns the rights of consumers in relation to their credit information. Credit Collection Service Collection Agency 's actions are in violation of my rights under this statute, as they have not provided proper notification or validation of the debts impacting my credit.

I demand that Credit Collection Service Collection Agency cease all collection activities related to my accounts and delete the reporting of the account to the credit bureaus. Furthermore, if Credit Collection Service Collection Agency believes they have provided me with proper notification, I request that they furnish me with a certified receipt bearing my signature as evidence of such notification.

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Credit Collection Service Collection Agency for their violations of consumer rights. I also request that you keep me informed of any developments regarding this complaint. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-25
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. (NV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (IL)

On my credit report. This is not mine. I have do not have an account with them. They have used a different address. This is fraud. 
JEFFERSON CAPITAL SYSTEM Last reported XX/XX/XXXX {$200.00} Open balance JEFFERSON CAPITAL SYSTEM Opened XX/XX/XXXX ( 9 mos )
Consumer complaint received 2023-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate, across all three credit breaus, account closed but still reporting payments, credit limit inaccurate, dates open inaccurate have past due balances PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS - XXXX XXXX XXXX XXXX Balance {$10000.00} Account # XXXX Violated MY 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 A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED Feel Neglect damages all violations to metro 2 compliance i Demsnd : - Original Contract - Creditor info - Payment History - Requesting for documentation that gives me the options to opt out to a non affiliated third party prior to them reporting it 15 USC 6802
Consumer complaint received 2023-04-11
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: EQUIFAX, 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 BANK Account Number : XXXX has violated my rights. Or 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 2024-04-15
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. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (RI)

Comenity Capital Bank and its employee 's are engaging in willful and deliberate bad faith efforts to provide me my rewards in the form of direct deposit to my outside account. 
On XX/XX/2023 I called customer service to redeem my rewards as direct deposit. ( they only redeem direct deposits by phone ). I was informed there were {$16.00} available but the cs agent insisted that another employee be brought on the call to complete the transaction. The other employee made ( yet another ) " mistake ''. This bank has made a series of " mistakes '' since taking over XXXX XXXX XXXX. In fact, I was just informed on my XXXX statement of a system error that occurred way back in XXXX!!! Nothing but problem after problem since they've had this account. 
I only received {$5.00} in the form of direct deposit after being assured it would be the full amount ( check the recording Comenity! ) On XXXX XXXX XXXX  I once again called customer service to inquire and resolve the problem. I was informed the employee from XX/XX/XXXX noted in the file they made a mistake. So, why wasn't the mistake corrected at that time if it were truly a " mistake ''? Why wasn't I informed of said " mistake ''? On XX/XX/ customer service and their supervisor refused to correct their admitted " mistake ''. When can I expect to receive my money???
Consumer complaint received 2023-06-12
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. (NJ)

I am filing this complaint because XXXX, XXXX, and Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2024-01-25
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. (GA)

I am writing this letter to request the removal of all hard and soft inquiries from my credit report with XXXX, XXXX and Transunion, in accordance with the Fair Credit Reporting Act ( FCRA ) Section 1681g.

I have recently reviewed my credit report and noticed that there are several inquiries listed that I do not recognize. These inquiries were not authorized by me and have negatively impacted my credit score. As per the FCRA, I have the right to request the removal of these inquiries from my credit report.

I would like to remind you that under the FCRA, hard inquiries can only be made with my written consent or for a permissible purpose, such as a credit application. Soft inquiries, on the other hand, are made without my consent and do not affect my credit score. However, they still appear on my credit report and can be viewed by potential lenders, which can be misleading. 

Therefore, I am requesting that all unauthorized hard and soft inquiries be removed from my credit report immediately. 
I also request that you provide me with a written confirmation once the inquiries have been removed from my credit report. If you are unable to verify the inquiries, I request that they be removed within 30 days as per the FCRA. 

I appreciate your prompt attention to this matter and look forward to a positive resolution. Please do not hesitate to contact me if you require any further information or documentation. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX