davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC (PA)

My financial manager moved to a new brokerage and has taken me with him. In the process of connecting accounts, I received an email from XXXX advising the Early Warning System ( I've learned co owned by the big banks ) has denied access to my account due to a fraud flag. They provided a number to call for more information. I called the number and the IVR message states " Thank you for calling we are currently closed. Our office hours are XXXX XXXX XXXX XXXXXXXX. I have called three times between XXXX and XXXXXXXX XXXX XXXXXXXX and get the same closed message. 

My financial manager is unable to protect my interests fully without these linked accounts, and yet I can't seem to link them because the XXXX isn't functioning yet Early Warning System doesn't bother to staff their customer support channels during their committed operating hours. 

Thank you in advance for taking action and holding them accountable to being there when they commit to. These failures create too much hardship on those trying to make livings! The time and energy it takes to chase down support for failures is untenable.
Consumer complaint received 2023-05-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Telerecovery Corporation (LA)

My name is XXXX XXXX a federally protected consumer and Im making this complaint against Telerecovery for committing identity theft. I have never given Telerecovery any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt claim I owe. Iam legally refusing to pay this debt pursuant to 1692c ( c ). Iam demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Telerecovery can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence, such as a Trilateral contract can not be produced and Telerecovery Continues it collection efforts. I file for litigation for actual damages caused and Telerecovery will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A. extortion, theft by deception, Securities fraud from the S.S.A. with my signature please tell me you have it, send me a copy, Im demanding it. Upon the receipt of the documents herein and of this Notice, you are hereby notified pursuant UCC 1 - 202f. Your prompt Attention and Response are both requested and required. Account # - XXXX
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Dear Credit Reporting Agency, I recently discovered that I am a victim of identity theft. So I have written to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity due to these fraudlent accounts on my report. I have contacted experian and they do not seem to have the urgency to fix this situation as fast as they have reported it to me. 

I ask that you help me make them comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List Of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-01-11
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. (MD)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Please help me out and submit my complaint to the bureaus as soon as possible!
Consumer complaint received 2023-07-07
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. (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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-01-11
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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. 
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 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 2024-01-11
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: EQUIFAX, INC. (IL)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ID Analytics, Inc. (VA)

I hope this letter finds you well. I am writing to address a matter of utmost importance regarding recent discrepancies observed in my credit report. As per the regulations outlined in the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s-2 ( 3 ), it is imperative for entities to acknowledge and properly handle consumer disputes concerning the accuracy or completeness of data provided to consumer reporting agencies.

Upon thorough review of my credit report, it has come to my attention that certain information has been inaccurately reported. I have taken the necessary steps to dispute these discrepancies, providing ample time for resolution, as explicitly stated in my previous correspondences.

However, to my dismay, these disputes have not been duly noted as required by law.

Under the provisions of 15 U.S.C. 1681s-2 ( B ), it is explicitly stated that information must not be furnished to any credit reporting agency if it has been notified by the consumer of specific inaccuracies. Despite providing clear notification through certified mail, accompanied by return receipts confirming delivery, there has been a blatant disregard for my concerns and legal rights.
Consumer complaint received 2023-12-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HW Holding, Inc (CT)

Me and my Fiancee were served eviction for failure to pay water bill even though the lease said landlord was responsible. When we went to court, the landlord 's attorney asked for mediation. We signed an agreement to turn the eviction into an end of term agreement. We agreed to move out and leave the unit in broom swept clean condition. We signed a stipulated agreement that if the landlord didn't withdraw the original complaint and agree to the end of term agreement, We were to file a motion to open for the case to be withdrawn. The landlord never responded within the allotted time period and we were granted a judgement of dismissal. We were contacted by Hunter Warfield in XXXX saying we owed a debt based on terms of the lease that we signed. We explained to them that we were never found liable for any debt and any thing pertaining to the lease was dismissed along with the original case. We also sent them a certified debt validation in XXXX letter to which we received no response. We contacted the credit agencies and had the collections removed from our reports. Even though we didn't receive any validation to prove we owe the debt, Hunter Warfield has once again sent correspondence asking for payment of the debt.
Consumer complaint received 2023-11-22
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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: First Advantage LNS Inc. (AZ)

This company National Credit Audit Corporation XXXX XXXX XXXX  XXXX # XXXX ) has put a {$4600.00} on my credit report and refus to step off.I worte letter to dispute to all 3 credit agencies to take it off and they refused as well. The N.C.A.C. sented me some copies they got from XXXX XXXX  XXXX with fake amount of bogus charges and trying to scam me out of {$4600.00}. With this on my credit report it put a hardship on my credit being damage until I get this resolve.
Consumer complaint received 2023-10-07
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: Informative Research (OH)

Hello, This company Information Research looked up my personal credit report without my consent or permission. added a fraudulent hard inquiry on my credit report on XX/XX/2023. I have never done any sort of business with this company, and I don't know how they were able to access my personal information. 

Information Research XXXX XXXX XXXX XXXX XXXX, Ca XXXX ( XXXX ) XXXX
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: LEXISNEXIS (VA)

I hope this letter finds you well. I am writing to address a matter of utmost importance regarding recent discrepancies observed in my credit report. As per the regulations outlined in the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s-2 ( 3 ), it is imperative for entities to acknowledge and properly handle consumer disputes concerning the accuracy or completeness of data provided to consumer reporting agencies.

Upon thorough review of my credit report, it has come to my attention that certain information has been inaccurately reported. I have taken the necessary steps to dispute these discrepancies, providing ample time for resolution, as explicitly stated in my previous correspondences.

However, to my dismay, these disputes have not been duly noted as required by law.

Under the provisions of 15 U.S.C. 1681s-2 ( B ), it is explicitly stated that information must not be furnished to any credit reporting agency if it has been notified by the consumer of specific inaccuracies. Despite providing clear notification through certified mail, accompanied by return receipts confirming delivery, there has been a blatant disregard for my concerns and legal rights.
Consumer complaint received 2024-04-30
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

To whom it may concern, while checking my recent Credit Report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. ) CAPITAL ONE ( Bank ) XX/XX/XXXX XXXX. ) CAPITAL ONE ( Bank ) XX/XX/XXXX. I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act 1681 b ( c ) and a serious breach of my privacy rights. Please validate the information with this company and provide me with any documentation associated with these accounts, bearing my signature, authorizing an inquiry. In the absence of such documentation being my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that maintains under my Social Security Number. Please note that you have 30 days to complete this investigation under the Fair Report Credit Act section 611.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-10-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Klima, Peters & Daly, P.A. (VA)

The law group filed a lawsuit against me through XXXX XXXX. I received the lawsuit in the mail and called the number to clarify and ask questions about how this can get resolved outside of court, which the letter suggested. The representative proceeded to try to collect payment from me without answering any of my questions and proceeded to cut me off and hung up the phone. I'm entitled to asking questions given that there is a pending lawsuit and there is nothing in writing that insinuates that the lawsuit will be dropped and debt resolved by paying this law group. They are disrespectful and their practice is unethical. If you want to resolve a lawsuit out of court, you have to provide the terms and make sure the terms are understood PERIOD.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (MS)

XX/XX/year> {$5.00} margin call I contacted sofi XX/XX/XXXX to settle a dispute with funds being transferred from an incorrect account. I was told " someone will reach you shortly to resolve this issue because it was a different department ''. I have since tried to login to check to see if changes were made without recieveing contact from SOFI. I have not been able to access my account. Also, I have tried tk reset my password to see if this would allow me access to the account using my information on file 4times, and have not received an email to reset
Consumer complaint received 2023-10-05
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: Titanium Funds (UT)

I purchased a vehicle over a year ago and was told Titanium Funds would be reporting to credit agencies. After several phone calls I have been told there is a " glitch " in their system and it would be updated. After a year it still has not been resolved. It's very frustrating because I am trying to build my credit and an auto loan is a very big part of that. I have made all of my payments and would like my credit report to show that.
Consumer complaint received 2022-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (CA)

Various charges to my credit cards and access to my bank account was given to someone. XXXX is were cashed and signed fake signature and a line of credit was issued. The bank denied my claim and stated that I was a participant in the fraud and is holding me accountable for the damages and the debt.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am just asking that they remove the information I requested. 

Listed below are the Account that are being challenged XXXX  - XXXX XXXX XXXX XXXXXXXX Listed below are the Collection that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiry that are being challenged INQUIRY - XXXX XXXX XXXX INQUIRY - XXXX XXXX XXXX XXXX INQUIRY - XXXX XXXX XXXX XXXX INQUIRY - XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXX | Charge account | Balance XXXX {$0.00} Account # XXXX XXXX Credit Limit XXXX {$500.00} Last Reported XX/XX/2019 (! ) Account Type XXXX Revolving High Credit XXXX {$1000.00} Date Last Active XX/XX/2019 (! ) Account Type Detail Charge account Balance XXXX {$0.00} Date of Last Payment XXXX XX/XX/
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (MI)

XXXX XXXX XXXX XXXX has repeatedly allowed the following creditors to report inaccurate and derogatory information onto my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX has repeatedly reported inaccurate information, and XXXX continues to allow them to do this. As such I have been unable to obtain the things that are supposed to be allowed to be given to every XXXX, which is excellent credit, financing opportunities, home ownership, and owning a vehicle. I have to live barely making it because I am unable to obtain credit, because XXXX allows these creditors to report inaccurate and false information across my credit file. I have submitted numerous disputes with XXXX for every month since XXXX of XXXX  in which I have documentation for. They never complete a thorough investigation and believes these creditors over me the consumer, and continues to report this inaccurate information month after month.
Consumer complaint received 2023-08-29
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. (GA)

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit files with transunion. this has been an issue that needs to get resolved. all information is unverifiable an caused alot of denials. please review an remove the listed negative items to clear my credit report asap.
Consumer complaint received 2023-12-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

Per the FCRA as a federally protected consumer I am OPTING OUT of any and all authorizations I the consumer may have given you written, non written, verbal and non verbal PER 15 USC 6802, EFFECTIVE IMMEDIATELY INDEFINITELY. A charge off is considered Income and can not be reported on my report being a CERTIFICATE OF INDEBTNESS!