davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Halsted Financial Services, LLC. (NY)

Halsted Financial Services , LLC XXXX XXXX XXXX XXXX, IL XXXX Dear Sir/Madam, I am writing to dispute the collection account listed on my consumer report, which was reported by your agency. According to the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations, I have the right to request validation of this debt and to dispute its accuracy. Failure to Provide Validation Information : Under CFR 1006.34 ( b ) ( 5 ), it is required that collection agencies provide validation information upon request. To date, I have not received any validation information from your agency regarding the debt in question. Therefore, I am disputing the validity of this debt until proper validation is provided. Denial of Opportunity to Dispute Account : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers have the right to dispute inaccurate information on their consumer reports. However, I have not been given a chance to dispute the account before it was reported to the consumer reporting agencies. Violation of Consumer Rights : I believe your agency has violated my consumer rights by engaging in false, misleading, and deceptive practices in attempting to collect this debt. Such practices are prohibited under various consumer protection laws. Lack of Authority to Furnish Account Information : It is my understanding that your agency has no authority to furnish any account to consumer reporting agencies without providing all required disclosures by law, as outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). As such, the reporting of this account without proper disclosure is in clear violation of these regulations. I hereby request that you cease all collection activities related to this account until the validation information is provided and I am given the opportunity to dispute the accuracy of the debt. I am also requesting to revoke all communication via Email, Phone calls, or Text. I am also requesting the purchase agreement between the collection agencies and the original creditor. I am also requesting that you furnish proof that collection agencies are licensed and bonded. Failure to comply with these requests may result in further action being taken to address these violations of consumer protection laws. Please provide the requested validation information and respond to this dispute within XXXX  days. Thank you for your attention to this matter.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

It would not let me file dispute for fraudulent credit card that was open in my name with XXXX XXXX. It was opened on XX/XX/2024. It is a XXXX XXXX. I try various times and it would give a link to file a dispute. When I tried it let dispute the different phone numbers and address on the credit report. I want a copy of my credit report. I want file a complaint for not allowing me to file multiple dispute, although their website failed claims that you can.
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America closed my credit cards ending in XXXX, XXXX, XXXX in late XXXX 2024. My credit cards were subject to unauthorized activities during that time. And I attached evidence to this complaint showing that my passwords, online banking access, as well as a sheet containing my credit card numbers have been compromised. Instead of protecting cardholders who have established long-time relationship and shown great loyalty, Bank of America chose to close all their card accounts, despite the fact that I, as the cardholder, am by no means at fault here. Evidence includes : 1 ) XXXX XXXX certifies that bad actor hacked into my account and stole my points, 2 ) XXXX XXXX notified me that hacker attempted to log into my frequent flyer account and answered the security question incorrectly, XXXX ) XXXX XXXX XXXX detected passwords leaked in the dark web, and 4 ) XXXX XXXX  notified me that hacker attempted to change my password.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Since XX/XX/XXXX, I have trying to get all three credit reporting bureaus, XXXX, Transunion, and XXXX to add my XXXX XXXX account from XXXX account # ending in XXXX to my credit. Ive had this account for 7 years it still active and it has not been added to ANY of the accounts. XX/XX/XXXX called XXXX gave them my social again to report to all three Bureaus and they sent it over several times and XXXX nor Transunion nor XXXX added my account. XX/XX/XXXX called spoke with XXXX credit bureau specialist unit at XXXX they will send credit report and gets on credit report 5 business days after but it was never added XX/XX/XXXX called XXXX added a consumer statement to add XXXX stated it is my account confirmation # XXXX I added a consumer statement on XXXX confirmation # XXXX XX/XX/XXXX again For same reason with XXXX account ending XXXX XX/XX/XXXX credit Bureau Specialist Unit spoke with XXXX They reported it on the XX/XX/XXXX. She re-reported today XX/XX/XXXX as an Intercycle Update sending over what data is today as of Freedom card XX/XX/XXXX It should take 3-5 business days Friday/Monday of Next week to be added to Reporting Agencies Transunion XXXX and XXXX It was NEVER added Call all three Bureaus Again to make sure there is a consumer note XX/XX/XXXX called XXXX sent a consumer note called Transunion department priority escalations added Consumer Statement. Called XXXX updated consumer statement confirmation number # XXXX XXXX to follow up with statement to add these to my Credit it was never added to any of my cresit accounts. XXXX account ending # XXXX is my credit card account and it is active and it SHOULD be on my credit on XXXX, XXXX and Transunion and it is NOT
Consumer complaint received 2024-04-13
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. (TX)

In accordance with the Fair credit Reporting Act, XXXX  Account # XXXX XXXX XXXX XXXX violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy 15 U.S.C. 1681 Section 604 ( A ) Section 2 a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-01-10
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)

In 2007 when XXXX and the data breach started, I immediately started trying to freeze my credit report, which was not frozen after several attempts. I noticed several items being listed on my credit report over the years without my knowledge XXXX never followed the proper steps for consumers to gain back their credit. For me, it was like pushing it under the rug and hoping go away. 

I have tried over again to send letters. Stayed on the phone for hours, just to get the run around.
Consumer complaint received 2024-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ASSOCIATED BANC-CORP (FL)

I opened a merchant dispute on XX/XX/XXXX with my bank, under the case XXXX, on the same day I sent the order receipt and letter explaining the situation, that the merchandize was never delivered and also the merchant never answered my calls and emails. 
Today XX/XX/XXXX, I got an email saying my claim was denied. 
I dont now if the bank took care about the information I sent to the bank, but the bank closed the case without rquesting more information from them and also didnt provide a tracking number from the merchant or a delivery confirmation.
Consumer complaint received 2024-01-10
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. (NV)

I called Experian to let them know that I had unauthorize and fraudulent inquires. They refused to to removed them. By law they are required to removal these inquires. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-02-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: HEARTLAND PAYMENT SYSTEMS INC (WA)

I am attempting to defer due to economic hardship and have been denied based on my supporting document. This document was sent from XXXX and is proof of deferment, but does not specifically state " economic hardship. '' I spoke with an agent from XXXX on the phone, they recommended I reach out to XXXX or try uploading additional documents such as receipt of XXXX benefits. Since XXXX is slow to respond by email I attempted to upload additional supporting documents such as proof of XXXX benefits and XXXX XXXX XXXX called " XXXX XXXX '' in Washington ). Unfortunately, the XXXX website does not allow me to upload additional documents -- it simply states my request is being reviewed and the " submit '' button is greyed out. I have no way of emailing this information to them either, my only option is to physically mail it. I am, quite frankly, frustrated by XXXX 's draconian approval standards and with how difficult it is to simply reach out to the person reviewing my case and provide them with more documents or details. Why would the " submit '' button ever grey out? It is a feature seemingly designed with one purpose only -- to increase chances borrowers will give up on the deferment. Meanwhile, I am receiving letters from them that they are charging late fees. See attached documents and please send these along to XXXX as I have no way to do so myself.
Consumer complaint received 2024-04-13
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. (DC)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-04
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 believe FCRA XXXX mandates the removal of any inaccurate accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccurate reporting, with incorrect amounts and dates.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-04
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. (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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 2024-06-20
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. (WI)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-01-19
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. (GA)

TRANSUNION is violating my consumer rights by not furnishing my consumer report in accordance with my written instructions. My rights under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) ( 2 ) supports my written instructions for TRANSUNION to remove any accounts from my report, at my demand, as a requirement by law, to fulfill their lawful obligation, as it pertains to furnishing my report in accordance with my written instructions. 

Ive requested several times that they promptly remove accounts from my consumer credit report and update my report to no longer show any history of these accounts. After numerous attempts ( several hours ) to let them know that they were in violation of my rights and not fulfilling their lawful obligations, employees one after another, including supervisors, told me they were not going to remove the accounts from my report and they would continue to furnish my report against my written instructions which is a direct violation of 15 U.S. Code 1681b, Permissible purposes of consumer reports- ( a ) ( 2 ) and proceeded to hang up on me. 

THIS IS NOT A DISPUTE. THESE ARE WRITTEN INSTRUCTIONS. 

They have only sent mere statements saying things about a dispute and other nonsense that has not resulted in the removal of the accounts per my written instructions, which does not constitute fulfillment of my written instructions, which under law they must oblige. 

I DEMAND that they remove the following accounts immediately from my report and fulfill their lawful obligations : Account # XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Type : XXXX XXXX XXXX : Individual Date Opened : XX/XX/XXXX Status : Collection account. {$460.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$460.00} Balance Updated : XX/XX/XXXX Original Balance : {$460.00} Terms : 1 Months On Record Until : XX/XX/XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Credit card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Account charged off. {$620.00} written off. {$620.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$620.00} Balance Updated : XX/XX/XXXX Credit Limit : {$400.00} Highest Balance : {$620.00} On Record Until : XX/XX/XXXX Account # XXXX Account Name : XXXX XXXX XXXX Terms Frequency : XXXX  Balance : $ 0 Months Reviewed : XXXX Activity Designator : TRANSFER_OR_SOLD Date of First Delinquency : XX/XX/XXXX Owner : Individual Account Type : OTHER Term Duration : XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Delinquency First Reported : XX/XX/XXXX Creditor Classification : UNKNOWN
Consumer complaint received 2024-01-19
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. (PR)

I previously submitted a dispute for the charge off account for the XXXX XXXX XXXX credit card on my credit report which is affecting my credit at the time. I requested information regarding this account which in this case could mean identify theft because I am not able to recognize this account. Ive inquired regarding the account on numerous occasions. The address associated with this account I have never resided there which has now as disputing has been removed off my credit report. The name as well has been misspelled which I previously brought up as of red flags. Due to federal law if proof that this account is mine indeed they have to delete this account from my credit report.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I recently received my Social Security number and tried to update my information with my bank and all three credit bureaus. For some reason, my information was inaccurate on my report. There was a hard inquiry prior to me receiving my SSN. Also, I informed them that I never applied or inquired about any credit. If there is a hard inquiry, then that was performed without my acknowledgment, so I informed the banks about this. There was a discrepancy, which I went ahead and resolved. However, despite my efforts, it's been about three weeks. I've been calling them, submitted all the documents, and fixed all the information with all of the credit bureaus, but Experian still doesn't work. Each time I call them, they keep lying to me, saying that they never received the information or that they never got this or that. I've sent it four to five times already, and they refuse to do it. Because of this, most of the applications I'm trying to process are frozen with them. They're not even resolving the issue or giving me a resolution, not even a time or date for anything. Every time I call, they tell me to wait a week.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) requires that if a credit reporting agency ( CRA ) reinserts previously deleted information on your credit report based on information provided by a furnisher of the information ( such as a creditor ), they must notify you promptly, within five business days, of the reinsertion. The notice was never sent or the documents I have not been notified. Or the documents have not been sent on Name address and phone number of the Furnisher who provided the information.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MD)

I recently received a copy of my XXXX bureau consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX Balance {$670.00}
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 hope this message finds you well. I am writing to express my continued dissatisfaction and concern regarding the unresolved issue of fraudulent items in our records. Despite our previous attempts and numerous communications, it is disheartening to note that these fraudulent items persist. 

We have provided comprehensive documentation and evidence to support the removal of these fraudulent items, highlighting the detrimental impact they have on our operations and financial standing. Despite our efforts, there has been no tangible progress in removing these erroneous entries from our records. 

We urge you to escalate this matter and allocate the necessary resources to expedite the removal of fraudulent items from our records. Additionally, we request transparent communication regarding the steps being taken to address this issue and prevent its recurrence in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXXXXXX XXXX : {$87.00} XXXX XXXX XXXX  Balance : {$100.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$8800.00} XXXX XXXX Balance : {$140.00XXXX XXXX  XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance XXXX {$140.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023.