davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-06
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. (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. 

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 XXXXXXXX, has violated my rights. 

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 ) states : 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 2024-04-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NC)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I have repeatedly requested the address XXXX XXXX XXXX XXXX XXXX, NY XXXX , to be REMOVED and provided my 6-generation address of XXXX XXXX XXXX, NY XXXX, to be corrected and remain on the report. All three credit bureaus refuse to acknowledge it.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MA)

I have pulled a comparison report and they have reported three different things on all reports and I have filed a complaint because I sent a negotiable instrument to pay off the card and they said that I couldnt do that but the item followed the USC as a negotiable instrumment they have also reported three different things on the comparison report. I asked to opt out and I called the number that is listed on their website privacy policy they said that i couldnt do it and finally I was told after being passed around that I didnt do it in 30 days then I couldnt.
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. (CA)

in the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX, on account number XXXXXXXX XXXX on account number XXXX XXXX XXXX XXXX on account number XXXX have been reporting false information on my XXXX credit reports, which have prevented me from obtaining credit from other companies and/or the correct credit score/report. 

In accordance to FCRA 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose XXXX XXXX account in question has been closed sincXXXX XXXX and all reporting data since has been incorrect. It is too old to be reporting to my credit report. it has been currently updated on my Experian report as XXXX late payments and the current past-due balance of {$820.00}. There can not be an owed balance or late payments reported when the account has been closed since XXXX  The XXXX XXXX XXXX account has been closed since XXXX and is too old to still be reporting to the credit companies and on my credit report.
Consumer complaint received 2024-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

I tried to deposit XXXX checks that my parents had gifted to me, but the payees were listed as my parents and we did not endorse the checks correctly by mistake. Chase bank then restricted my checking account. Ive called the fraud department and they said the solution was to verify my parents identities through their phone lines. I gave them the correct numbers but they havent been able to establish a connection between me and my parents. My parents have offered to send in a verification letter, provide their social security numbers, come into a Chase branch in person. All these solutions have been denied. The payer of the checks have been contacted and they confirmed that the funds have been taken out of on their end. I can not access any of my funds and my account has been scheduled to close permanently in 10 days. Chase is providing no further solution.
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. (GA)

You are in Violation of furnishing my consumer reports to person/s that do not have any permissible purpose or any legitimate business reason to receive those reports which is a clear violation of my right to privacy.

you furnished my consumer reports without a permissible purpose as per 15 USC 1681b ( 2 ) or knowingly without a legitimate business reason pursuant [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

The Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully furnishing my Experian consumer report without my authorization or a permissible purpose under the 15 USC 1681b ( 2 ) Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-07
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)

Per The FRCA, as Federally protected consumer and per 604 - 15 U.S.C. 1681b, Information regarding inquiries. Except as provided in section 609 ( a ) ( 5 ) [ 1681g ], a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. This was not initiated by me nor did I get any written, electronic, verbal nor, non verbal disclosures about these inquiries. Additionally I did not provide the credit reporting agencies nor these none affiliates to report nor disclose my private personal information. This is a violation also of the Privacy Act of 1974. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

PORTFOLIO RECOVERY is attempting to collect on a fraudulent debt that I do not owe nor authorized. I have never done business with this company and just the fact that they have access to my private and personal information without my consent is causing me great mental anquish. I have NEVER agreed to or transacted to do any business with PORTFOLIO RECOVERY or any of its affiliates and my identity has been comprised and I will seek relief if not rectified and deleted immediately. This reporting is fraudulent and a violation of my rights under FCRA, FDCPA and my right to privacy.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-07
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. (TX)

XXXX has a closed credit card account on my credit report. The account was not created by me. The account was opened due to identity theft. I have asked XXXX to remove the account from my credit report with all XXXX credit buraeus due to identity theft however XXXX has not removed the account. The balance is over XXXX  XXXX.
Consumer complaint received 2023-09-17
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. (NC)

. I am writing to file a formal complaint against TransUnion concerning a significant and seemingly unjustified drop in my FICO credit score on XX/XX/2023. This unexpected drop occurred despite what I believe were minor changes in my financial profile, specifically related to XXXX accounts : my XXXX XXXX account and my XXXX account. 

On XX/XX/2023, I noticed a sharp decline in my FICO credit score through TransUnion 's reporting, which has left me deeply concerned about the accuracy and fairness of this credit reporting agency 's practices. This drop amounted to a staggering XXXX points, despite the fact that my actions should not have warranted such a substantial decrease. 

The changes in my accounts that occurred on the aforementioned date are as follows : My XXXX  XXXX account balance increased by a mere {$140.00}. 
My XXXX account balance increased by {$24.00}. 
The total usage increase across these two accounts amounted to just {$160.00}. To my understanding, this relatively minor increase in my credit utilization should not have resulted in such a significant decrease in my FICO score. I believe this score drop is disproportionate and detrimental to my financial well-being, potentially affecting my ability to obtain financing for various needs in the future.

Moreover, I would like to bring to your attention the possible violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion : Accuracy of Information : According to the FCRA, credit reporting agencies must provide accurate information. It appears that TransUnion 's assessment of my creditworthiness was inaccurate, given the minor changes in my financial accounts.

Notice of Negative Information : The FCRA requires that consumers be notified when negative information is reported to their credit files. I received no such notice regarding the drastic drop in my credit score. XXXX adding, the balances increased on the other credit reporting agency 's reports and XXXX nor XXXX dropped my score by XXXX points. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly to determine if TransUnion has indeed violated FCRA rules and regulations in their handling of my credit report. Furthermore, I urge the bureau to ensure that TransUnion rectifies this situation promptly by correcting my credit report and providing me with a more accurate and fair representation of my creditworthiness. 

I appreciate your attention to this matter and look forward to a swift resolution. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any additional information or documents related to this complaint. 

Thank you for your assistance in addressing this issue and for your commitment to consumer protection.
Consumer complaint received 2024-01-09
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

ECSI sent a paper handwritten master promissory note from XXXX. This paper handwritten promissory is not valid as it is not electronic and its not signed using a private account. Furthermore, I do not recognize this as my handwriting and it appears to be fake and invalid. Id request ECSI contact XXXX once again for validity and type of these loans. This requires XXXX and ECSI to cooperate.
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. (FL)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

Tried to make a purchase. The purchase required me to ID verification via a text message from Citi. I entered the code ( the code is entered into a password field so the numbers are obscured ). The card was declined. 

I thought I entered in the code incorrectly so I tried again. I verified via text. It was declined. 

I thought maybe the processor was the problem so I tried paypal and was declined. I logged into citibank and noticed that they had 3 transactions from me which were the ones I tried to process but were declined. I marked that I recognized them. 

Citi informed me to try the purchase again. 

I tried again and my account was locked. I logged in but this time it made me call in. 

I called into Citi and verified all my information. The lady helping me processed and cleared all my transactions and told me that she'd pre-clear the transaction and told me to place it again. 

I tried to place the order and my account was locked AGAIN. 

I called and the man on the phone told me that he could not use my phone number to verify my card. He immediately went to issue a verification code via snail mail that will take 7 business days to get here. 

They refuse to help me unlock my card.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Absolute Recovery Services, LLC (TN)

I Disputed a Collection Account that was Reported on my Credit Profile. I have sent in Multiple Disputes & have yet to get a Removal or Response. The Account that was reported is not Mine and I would like for the Credit Bureaus to Remove it. Once this is removed can you please have them to send me a Updated Credit Report. Thanks.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HUNTINGTON NATIONAL BANK, THE (CO)

I received notice from XXXX XXXX that I had a new hard credit inquiry from Huntington Bank and I have never stepped foot into that bank or had financial services from them. The bank does not have a fraud department to help me and continue to request my social to look me up. I do not have any accounts nor have ever applied with Huntington Bank and after 3 calls I still do not have confidence that this will be taken care of.
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 have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow.

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect DOB : - XXXX  Employer - XXXX XXXX Incorrect Name : - XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (TX)

XX/XX/23 Called comenity because received letter to complete credit card application. I did not request a credit card. They wanted last 4 of SSN and DOB to verify. I refused to give. I did verify my name and address. 

Said since I would not give the additional info they could not access account and only recourse was This entity. 

Account on letter. XXXX
Consumer complaint received 2024-01-07
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. (AL)

There are several unauthorized inquiries on my credit report, please DELETE the following inquires. I did not authorize these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-07
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. (AL)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX, XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2024-01-07
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)

On XX/XX/XXXX XXXX reported to experian that they were unable to locate me. But I have been in contact with XXXX and made payments even though my loan are being deferred because I am in school. I havent changed my mailing addresses still the same one XXXX has on their file. 

My credit score dropped because XXXX reported they were unable to locate me.