davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-17
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX ( XXXX 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 an account without my written permissions and instructions.
Consumer complaint received 2023-10-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

I hope this letter finds you well. I am writing to seek assistance and guidance regarding a matter of significant concern involving a legal action initiated by XXXX XXXX, a retail company, concerning an account that I have no knowledge of ever opening. I am deeply troubled by this situation as it has had a significant impact on my financial well-being, and I am unable to resolve it through direct communication with the company. 

Here is a brief overview of the situation : On XXXX XXXX, I received notice that Midland has filed a lawsuit against me for an account that I have no knowledge of and believe to be an error or a case of identity theft. 
Despite numerous attempts to communicate with XXXX XXXX midland and request information about this account, they have not provided me with any details or evidence that this account is genuinely mine. 
I have not received any documentation that would confirm my responsibility for this alleged debt. To the best of my knowledge, I have not engaged in any transaction with XXXX XXXX/ midland that would warrant such legal action. 
This situation is causing severe distress and financial hardship for me, and I believe that my rights as a consumer are being violated. 
I kindly request your intervention and assistance in this matter. I would appreciate any guidance you can provide in resolving this issue, including steps I should take to confirm whether the debt is valid or if this is a case of identity theft. If necessary, I would also appreciate any assistance in compelling XXXX XXXX to provide the necessary information to prove my liability for the debt they claim I owe. 

I have attached copies of all relevant correspondence and notices for your reference. 

Your prompt attention to this matter is greatly appreciated, as it has caused significant stress and financial burden. I am eager to resolve this issue and ensure that my rights as a consumer are upheld. 

Thank you for your assistance in this matter.
Consumer complaint received 2023-10-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NJ)

I have filed a fraud claim on my account 3 times and it keeps being denied by TD Bank 's fraud dept. My purse was stolen on XX/XX/23. I contacted TD bank that morning to let them know my card was stolen. I checked my account right before I called to see if my card had been used. My card was used in XXXX XXXX XXXX which is 3 hrs away, I was at a different location ( 3 hrs away ). The card was used back to back without a pin and put my account into a negative. I sent TD bank a police report. 
The claim was denied because i logged in around the same time the card was used. They should be able to tell that when I logged in I was at a completely different location and I called them right away to report the card stolen. 
Then it was denied for " card was not utilized after you notified us to close the card. '' That doesn't make sense. Of course card couldn't be utilized if I reported it stolen. I called TD bank for an explanation and was told that there was no further information. They have not given me any proof as to what evidence was used to come to the conclusion that an error did not occur and that these charges are mine. 
I have never used my card in XXXX XXXX XXXX, or a XXXXXXXX XXXX XXXX. No pin was used. Card was used back to back ( red flag ) I was 3 hrs away when charges occurred. I provided a police report. My account did not even have sufficient funds.
Consumer complaint received 2023-10-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (VA)

On XX/XX/XXXX I emailed XXXX XXXX my 60 day notice that we was moving out in XXXX We found a new apt in XXXX and XXXX XXXX acted like they never received the notice so my wife forwarded them the email and they released our info to the new apts office In the beginning of XXXX they gave us a statement of the balance we owed I wrote a check and thought that was it.fast forward to XX/XX/XXXX I checked the mail and got a collection notice saying I owed them {$680.00} I called them and they claim they didnt have any way to contact us because a new property group took over and claim I didnt give them a 60 day notice and basically added on more charges that wasnt initially added to our original move out fee
Consumer complaint received 2023-07-29
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: Experian Information Solutions Inc. (MN)

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX  Account # XXXX XXXX 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 2023-10-17
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX ( CHILD SUPPORT ENFORCEM ), 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 an account without my written permissions and instructions.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-17
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. (MN)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely. Rectify this immediately! 

This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (NY)

I noticed on my credit report on XX/XX/XXXX that there was an attempt to open a chase credit card in my name, which was fraud, I received the chase credit email at XXXX and I called them at XXXX to report the fraudulent account activity. They said they will stop the application process and I did ask why did they not call me before hitting my credit with this inquiry, they said that eventually something seemed fraudulent. It seem like I caught them before chase did. Chase said that the application is closed and that they will send me information in the mail along with facts about how to protect myself from fraudulent activity. My credit score decreased by XXXX  point and which I disputed this inquiry which XXXX is removing it, but I want my XXXX point back. There has been a freeze place on my credit report.
Consumer complaint received 2024-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2018-05-10
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: SYNCHRONY FINANCIAL (GA)

Synchrony Bank lowered the credit limit on my Walmart Credit Card by {$2800.00} for no reason and without notice. This makes it appear that I am using a higher percentage of the available credit and lowers my credit score and FICO score. One of the reasons cited is that the accounts listed on the report have balance and the balances are too high. The reason that the balance appears to high is banks lower the credit limit making appear that I am using a higher percentage of the credit limit and Synchrony has not provided any notice or statement on the credit report that they reduced the credit limit. I would like for them to explain what this accomplishes and what the objective is by lower my credit limit. When I called to discuss the robotic representative just read me a letter that they claim was sent but never received by me. When I asked if there was an appeals or review process I never received an answer and the representative just hung up the phone.
Consumer complaint received 2022-12-03
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: Global Lending Services LLC (OH)

According to the fair credit reporting act all XXXX  accounts have violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit as late for purpose.
Consumer complaint received 2023-10-17
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)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-17
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX ( XXXX XXXX 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 an account without my written permissions and instructions.
Consumer complaint received 2023-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (NJ)

On XX/XX/XXXX a collections account was added to my consumer report by a collections company by the name of Zion Debt Holdings in the amount of {$1900.00}. The claim this account is an OPEN account that was opened on XX/XX/XXXX. I personally have NO knowledge of this debt nor of this collections account. On XX/XX/XXXX, I called Zions Debt Holdings and requested a validation of debt, as was told I was NOT able to get one and that she would not send me anything and she then disconnected the call.
Consumer complaint received 2024-04-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (NV)

I have a service for expirian and he sent me a notice that have my credit user go up. I login and I fine a credit card for US bank State Farm is used for {$4300.00}. I call to US bank and report the fraud problem the purchase was made in XX/XX/XXXX and XX/XX/XXXX ( I have the card for more the 4 years and I never active and never used ) He toll me that I have a credit the {$970.00} and respond that credit do not my ether. I received the balance for XX/XX/XXXX with the purchases take out and for a credit ( that no is my ). I received a new balance for XXXX with all the purchase again for {$3300.00}. I call and he toll me that they contact the commerce and i need pay the bill, and If I had a police report. I go and make a police report and fax to US bank for the reopen a case. He never send nothing again. 
Yesterday I received a email tell me that I have my bill past Due. I call and now my balance go up because he charge me interest and penalties.
Consumer complaint received 2023-10-17
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. (SC)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



Open Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Closed Account : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2023-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A. (WI)

In mid XXXX we were notified by our county that our taxes hadn't been satisfied. I made multiple attempts over multiple weeks to get this rectified with PNC. Finally on XX/XX/XXXX  PNC confirmed that payment was mailed. Please note, this took well over a month and a half to resolve. A week prior to resolution, I requested they close our Escrow account so I could manage and pay this on my own due to my concerns in their failure to pay time and rectify the situation timely. 

On XX/XX/, I finally received the paperwork to cancel escrow and was shocked to find that they required a payment from me of {$520.00} which is .25 % of my escrow balance. I questioned if this could be legitimate and the rep stated it was a " national '' type fee that all companies would charge for doing this. Working for a credit union myself, I inquired with our department and they stated that they had never heard of that and they had never charged that. 

XX/XX/XXXX  I requested a disclosure of this as our mortgage wasn't signed with PNC but PNC did buy our mortgage from our previous lender, XXXX. Whether it's a fee that PNC CAN charge, it's very much a junk fee and is absolutely unnecessary. If this was a basic savings account ( which it ultimately is ), I shouldn't have to be charged an absurd fee ( $ XXXX ) to retain funds that are ours to pay bills for our mortgage that PNC has proved they couldn't handle doing timely. Their errors and my distrust in them is the only reason I requested to close this in the first place. 


As of today, I don't have a copy of the disclosure/fee statement I requested. In reviewing our mortgage statement, I am seeing that they disclose " CFPB 2nd Servicing File in 6 months of {$250.00} ; Escrow Deletion : .25 % of Unpaid Principal Balance ; They charge {$15.00} for " priority service '' and various other fees and state they are " subject to change without notice, subject to applicable laws. '' I am located in Wisconsin so would be curious if this is a fee even permissible in Wisconsin. 

Even if it's not " against the law '' to charge a fee, does not mean that they SHOULD charge a fee and this directly aligns with CFPB 's publications and working towards removing junk fees.
Consumer complaint received 2023-10-17
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. (FL)

I mailed a letter to XXXX XXXX XXXX, and I requested a 1099C to be sent to my address so I can file the canceled debt as gross income on tax return. I have yet to receive what I request. The reporting of this account is in accurate, income does not get reported on the consumer report. The IRS clearly defines a charge off as Gross or Ordinary income.