davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
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. (LA)

I am writing to file a formal complaint against the credit bureaus regarding their failure to conduct a proper investigation into my credit report, which has been involved in multiple data breaches. Despite repeated attempts to rectify this issue, the credit bureaus have continuously ignored my requests and failed to address the inaccuracies and potential fraudulent activities on my credit report. 

I have been a victim of identity theft, resulting in unauthorized accounts and fraudulent activities appearing on my credit report. I have taken immediate action to protect my personal information and have filed police reports regarding these incidents. However, the credit bureaus ' lack of responsiveness has further exacerbated the situation, leaving me in a vulnerable position. 

I have followed the proper procedures outlined by the Fair Credit Reporting Act ( FCRA ) by submitting dispute letters to all three major credit bureaus Equifax, XXXX, and XXXX. Despite submitting these disputes with all the necessary supporting documents, I have not received any meaningful response or resolution. 

Furthermore, I have made numerous phone calls to the credit bureaus ' customer service departments, only to be met with long wait times, unhelpful representatives, and a lack of progress. The credit bureaus ' failure to conduct a thorough investigation into my credit report not only violates my rights as a consumer but also perpetuates the damage caused by the data breaches.

I urge the Consumer Financial Protection Bureau to intervene in this matter and ensure that the credit bureaus carry out a proper investigation into my credit report. I request that the credit bureaus promptly : 1. Conduct a thorough investigation into the inaccuracies and potential fraudulent activities on my credit report, considering the evidence and supporting documents provided.

2. Remove any unauthorized accounts, fraudulent activities, and inaccurate information from my credit report.

3. Provide me with a detailed report of the investigation 's findings and the actions taken to rectify the issues.

4. Implement measures to prevent further unauthorized access to my credit information and ensure the security of my personal data.

I appreciate the Consumer Financial Protection Bureau 's dedication to protecting consumers ' rights and ensuring fair practices in the financial industry. I trust that you will take the necessary steps to address this matter and hold the credit bureaus accountable for their negligence. 

Please find enclosed copies of relevant documents, including the dispute letters and police reports, which support my complaint. I kindly request that you acknowledge receipt of this complaint and keep me informed of any actions taken. 

Thank you for your attention to this matter.
Consumer complaint received 2024-05-28
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. (TX)

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. 

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 2024-05-28
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. (TN)

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.

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing with the utmost urgency to demand immediate action regarding fraudulent accounts and incorrect information illegally reported on my credit report. I am a victim of identity theft, and it is essential that this situation is rectified without delay. 
Under the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to investigate and correct errors on credit reports. Failure to comply with this request promptly will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action. 

I expect a prompt response and resolution within 30 days, as stipulated by the FCRA. Please contact me directly if you require any further information. 
The following accounts are fraudulent and must be removed from my credit report immediately : XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX.
Consumer complaint received 2023-06-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (OH)

I applied for an online Wells Fargo Bank OFFER for a new checking account then they sent me an email that they couldn't verify my identity. They refused to open the account and live up to their offer. Which doesn't make sense since I have been in the credit bureaus since XXXX  plus, I have had both satisfactory checking and credit cards accounts with them over the years. I opened all of them on-line before. I used a phone # I had from an old account for XXXX XXXX XXXX XXXX new business explained my situation, but she says she couldn't help. Note their OFFER attachment on each page says open online. This TURN DOWN attachment says I could go into their branch, but their nearest branch is over XXXX miles of my home. Note the bank LOCATION attachment verifying this. They in application are not keeping their offer even though I qualify. They are being extremely disingenuous at the absolute best with their offer.
Consumer complaint received 2023-07-04
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: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit Management XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX XXXX XXXX XXXXXXXX Dear Creditor : XXXXThe account appearing on my credit report does not belong to me and was not opened by me. Original Creditor debt was removed from credit bureau reports during prior investiations. *** Per California State XXXX Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act I am requesting evidence of the following : 1. A copy of the contract and/or other document/agreement related to original debt. 
2. A copy of the contract and/or document evidence of debt agreement.

3. A copy of ALL original debt documents with indicated social security number used to open account. 

I did not open the above referenced account. This account was previously disputed with the original creditor and credit bureau XXXX onXXXX due to fraud on Report No. XXXX XXXX and XXXX deleted the item from my credit report after its investigation. 

The original debt account did not reflect my actual social security number, but instead a variation of my social security number opened by someone other than myself. 

I request that documentation as requested be sent to the address below. I also I request that all Midland debt entries be removed from my XXXX, XXXX, and XXXX credit reports as this debt was not initiated nor belongs to me per Fair Credit Reporting Act/California Consumer Credit XXXX Agencies Act . 

XXXX cc : XXXX, XXXX, XXXX
Consumer complaint received 2023-03-21
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. (FL)

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 & 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 2024-05-28
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. (FL)

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. 

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 2024-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

For XXXX  of XXXXBank of America did not send my Business Bank Account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to my business address. The address information was changed to a different address without my permission and without my knowledge. The fraudulent change of my address was never reported to me. They never contacted me that a change of address occurred. They never opened a fraud investigation.
Consumer complaint received 2024-05-29
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. (GA)

When I researched my credit report, I noticed that part of the information was erroneous. XXXX, XXXX and TransUnion are obliged to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not allowed to classify this reporting account as unconfirmed information without providing proof within the legal timeframe. Sections 609 ( a ) ( 1 ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverified account below : XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-05-13
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by XXXX during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to XXXX or more credit reporting agencies for inclusion in a credit report. ) Specifically, the creditor has to continue to report your debt as current if you're up to date on the debt when the creditor agrees to : let you defer XXXX or more payments let you make a partial payment forbear any delinquent amounts modify a loan or contract, or give you any other assistance or relief. 


What Is the Covered Period? 

The amendment defines " covered period '' as the period starting XX/XX/XXXX, until the later of XXXX  days after enactment of the XXXX XXXX or XXXX  days after the end of the national state of emergency declaration. The XXXX national emergency declaration is scheduled to end on XX/XX/XXXX. 

So, these credit limitations and protections under the XXXX XXXX will expire on XX/XX/XXXX.
Consumer complaint received 2023-05-17
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: Experian Information Solutions Inc. (GA)

On XX/XX/2023 I filed a complaint with Consumer Financial Protection Case number : XXXX. After filing the complaint, XXXX XXXXXXXX XXXX retaliate by closing my XXXX account. When I called and required about why my account the representative stated that on XX/XX/2023 that called and told them not to contact them again. Which I did not do nor did I contact them on XX/XX/2023. I asked to speak with manager and when the manager came to the phone, she told me three different stories to why it was closed. She started out with the same lie that I called them and when I asked who they spoke with and the time of the day she changed her story and said they talk with a third party of my home. I asked who the third party was and give me a name she couldn't give one. Then she changed the story again and said it was closed because they had the rights to close account because the way the account handled. I asked her to explain and she would explain to what that mean when I told her I had a letter from XXXX removing all these late fees from the account do the way they handle me and the account. 

This was 100 % retaliation this closed account should not be on my credit report and also paid the account balance in full
Consumer complaint received 2024-07-14
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. (OH)

I seen some unauthorized inquiries on my credit report XXXXXXXX XXXX XXXX XXXXXXXX XXXX 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (IN)

When checking my credit report to buy a home, I saw One Main Financial listed. I called them to request a 1099c because the debt showed as charged-off and written off for {$6600.00} on both my and cosigner credit reports back in XX/XX/XXXX. However, it also strangely showed an updated balance of {$7400.00} as of XX/XX/XXXX. 

I asked the One Main representative to explain why they were reporting the debt this contradictory way when she stated it was not written off. The rep claimed it was not actually written off again, despite what the credit reports stated. I requested the 1099-C cancellation of debt form they should have sent me. The rep backtracked and said no 1099-C was available because the debt wasn't written off after all.

This confused me, since they seemed to be reporting it as written off while still trying to collect on it from me and the primary borrower. The rep told me to contact law office who now has loan, admitting she couldn't properly answer my questions. 
I'm very concerned One Main is being intentionally misleading and evasive about this debt they claim is not written off but reported that way. I'm seeking clear answers on why they are reporting and collecting on it contradictorily from 2 people as well as stating written off, which means it was filled on there taxes without sending me a 1099c form. According to the FCRA they are in violation as well as credit bureaus for reporting non verified information on my credit report. A written off or charged off account is a loss and is closed to any future charges. 
One Main Financial is reporting this account as charged-off and written off on my credit report, indicating they have canceled the debt. However, they are now suing me to collect on this same account. This contradictory reporting is inaccurate and violates provisions of the FCRA relating to consumer credit reporting rights. I formally dispute this misleading account information and request a full investigation and correction with deletion.
Consumer complaint received 2024-06-23
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (UT)

Credence Resource Management violated the Fair Credit Reporting Act by sending negative credit report information to XXXX without notifying me of collection efforts, or giving me an opportunity to dispute the claim. 

The amount that Credence Resource Management claims that I owe accumulated after the cancellation of XXXX XXXX XXXX for the phone number ( XXXX ) XXXX on XX/XX/year>. Per XXXX customer service chat ID XXXX, XXXX XXXX XXXX  have been cancelled and the phone number ( XXXX ) XXXX is not in use. Please note the " XXXX GB of XXXX used '' as well as " XXXX  calls / XXXX  texts '' on both itemized statements they provided, the billing cycles of which are from after the date I cancelled XXXX XXXX XXXX. I did not use mobile data, did not send any texts, and did not make any calls, because I had cancelled XXXX XXXX XXXX XXXX  with customer support on XX/XX/year>. Any charges after this date are fraudulent and incorrect. 

This is the third instance I have experienced of XXXX XXXX failing to cancel mobile services after I contacted customer support, continuing to charge me for cancelled services which customer support verified were cancelled, and then selling a debt I do not owe to Credence Resource Management. I am not liable for XXXX XXXXXXXX XXXX recordkeeping errors and I will not under any circumstances pay any balance accumulated after I cancelled services. 

I am extremely upset that Credence Resource Management forwarded this information to credit reporting agencies without providing me an opportunity to dispute this third fraudulent claim. Credence Resource Management is in frequent violation of my written request for them to cease efforts to collection on debts with XXXX XXXX account XXXX, which debts are fraudulent and I do not owe.