davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-20
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: Experian Information Solutions Inc. (WA)

Recently, when I checked my credit score on my banking website, I noticed that my credit score had gone from a score of XXXX down XXXX points to XXXX. I looked at why this had happened, and I noticed that a credit inquiry was made on XX/XX/2023 from XXXX XXXX Bank. I did not apply for this credit card. When I called XXXX XXXX, they were able to identify an application made under my name, XXXX XXXX, but they had marked it 'suspected of fraud ' and didn't proceed with the application. They sent me a letter stating that the application was fraudulent and they were withdrawing the application. I asked them how to get this off my credit report and they directed me to file an identity theft report.
Consumer complaint received 2023-09-15
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: ADIR INTERNATIONAL LLC (NV)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I CONTACTED XXXX  AND MADE A PAYMENT AGREEMENT ON XX/XX/XXXX. I SPOKE WITH A YOUNG LADY BY THE NAME OF XXXX AND SHE STATED THAT BY ME ENTERING INTO AN AGREEMENT THAT COLLECTION WOULD STOP AND THAT NO NEGATIVE INFO WOULD BE REPORTED TO THE CREDIT BUREAU. ON XX/XX/XXXX, THE DAY OF OF MY FIRST PAYMENT, I RECEIVED AN ALERT THAT NEGATIVE INFORMATION WAS ADDED AND IT WAS REPORTED THAT MY ACCOUNT WAS 30 DAYS PLUS LATE. I WAS TOLD THIS WOULD NOT HAPPEN AND IT DID.
Consumer complaint received 2023-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Following up on previous complaint XXXX. I wanted to add more evidence proving the error. I sent this directly to Mr Cooper Mortgage on XX/XX/2023 through the portal. I am attaching here for review as well. Thank you XXXX XXXX XXXX Requesting response and review to error discovered. The shortfall amount is incorrect. And assistance with the additional monthly payment you are saying I need to make due to a large escrow account miscalculation. 

Thank you XXXX
Consumer complaint received 2023-06-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (TX)

I received a call from XXXX XXXX XXXX. They called from phone number XXXX. They stated that I owe Wells Fargo {$840.00} from several years ago. Informed them that if I didn't pay they would freeze my accounts and prevent me from having another checking account or credit card ever in life. They also threatened to sue me. Somehow they had all of my information. The rep was absolutely rude and I ended up hanging up on them.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

My mom and I have just recently read about the Bank of Americas violation with double charging our accounts! If the bank had been doing this for some time ( more than a year ) then how do we know how gradually we were affected?!! The double charging of a transaction takes place if there are insufficient funds to cover that expense and this has happened numerous times to me so that means, unaccountably, the Bank Of America removed extra fees from my account. In the article by XXXX it states that If you think youve been affected by the double-charging-of-fees violation or the fake account violation, you dont need to take action to receive your payment, according to the CFPB. 
The onus will be on Bank of America to send payments to anyone who is eligible. The bank will either put funds into your deposit account or will send you a check. so I am here on behalf of me and my mother to submit a complaint and see our eligibility.
Consumer complaint received 2023-09-15
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: BARCLAYS BANK DELAWARE (CA)

I sent a letter via XXXX mail on or about XX/XX/2023 to the following mailing address : Card Services XXXX XXXX XXXX XXXX, XXXX XXXXXXXX This was a request to open a dispute for a transaction with PayPal-RalphLauren made XXXX XX/XX/2023 XXXX the amount of {$990.00} XXXX submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.
Consumer complaint received 2024-03-21
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)

Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 I'am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to XXXX acct # XXXX written, unwritten, verbal or non verbal to report my nonpublic personal information. XXXX acct # XXXX is in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by XXXX acct # XXXX that my nonpublic personal information was going to be shared to non affiliated third parties such as Experian, XXXX, and XXXX XXXX I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt out notice every thirty ( 30 ) days which XXXX acct # XXXX never sent to me. I am hereby exercising my rights under 16 CFR 313.7 Form of opt out notice to consumers. Also, XXXX acct # XXXX violated the terms and conditions within their banking agreement, because XXXX acct # XXXX states that they do not provide consumer information to third-parties which they violated by reporting my nonpublic personal information to the credit reporting agencies listed above. According to 15 USC 6802 B ) I am supposed to receive THREE different disclosures before my nonpublic personal information is shared but I never received notice. I also realize that my account is being sold on the secondary market without my consent and if this account is not removed from my report within 24 hours. I will file a SEC complaint. I will be forced to get an audit report done.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA (FL)

I am writing this letter in reference to XXXX that your company is currently reporting to XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved
Consumer complaint received 2024-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2023-05-08
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: FactorTrust, Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, NJ XXXX XXXX There are old items on my report that I demand you remove at once in order to comply with the 15 U.S. Code $ 1681c-2 and 15 U.S Code 1681b. 

XXXX  XXXX - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reporting negatively on my report. 

XXXX  XXXX - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reporting negatively on my report. 

XXXX XXXX - This is paid as agreed and should not be reporting negatively on my report. 


Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NJ, XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The personal data reporting is inaccurate. 

XXXX XXXX - XXXX - The term that is being reported is reporting inaccurately - This was paid as agreed and should not be reporting a charge off on my report at all. 

XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXXXXXX XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts listed IMMEDIATELY.
Consumer complaint received 2024-05-05
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-05-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Spring Oaks Capital, LLC (PA)

I have sent this company a cease and desist letter and this company has refused to adhere to the Federal Guidelines by ignoring my request in my attempts to resolve this matter. This company has also been found to impose as a collection agency trying to illegally collect a debt when they are not legally licensed or registered and or insured to collect debts in the state of Pennsylvania per the XXXX
Consumer complaint received 2024-05-05
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (TX)

I applied for A Pre Approval credit for Medical and was denied because the bank stated That I have Previous Negative experience with Comenity Bank and I personally have never had a Comenity bank account. 

The application Reference number is XXXX The date of Application was XX/XX/year> For a Alphaeon  Pre Qualify
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (NM)

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. For this account ( XXXXXXXX XXXX XXXX ) ( XXXX APPLE CARD/GS BANK USA XXXX Technically, this account has been sold to a new lender. This account can no longer be reported legally this can not be reported if a charge off on my credit report if the account was sold to another lender. After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.
Consumer complaint received 2024-05-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (PA)

I have sent this company a cease and desist letter and this company has refused to adhere to the Federal Guidelines by ignoring my request in my attempts to resolve this matter. This company has also been found to impose as a collection agency trying to illegally collect a debt when they are not legally licensed or registered and or insured to collect debts in the state of XXXX  per the XXXX
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (GA)

I am writing to formally lodge a complaint regarding serious inaccuracies present in my AMEX credit report, which I attempted to rectify through your dispute resolution process. Unfortunately, the outcome has left me dissatisfied as the reported account was not adequately verified, and the inaccurate information persists. Background : I discovered discrepancies in my XXXX XXXX credit report, specifically related to payment status, payment history, date opened, and dates of late payments. In an effort to rectify these inaccuracies, I promptly submitted a dispute letter via mail, outlining the discrepancies and requesting a thorough investigation. Unsatisfactory Results : Regrettably, the results of the investigation were far from satisfactory. Despite my efforts, the accounts in question were not verified, and the inaccurate information continues to be reported. This has a significant impact on my creditworthiness and financial standing. Violation of FCRA : It has come to my attention that my rights under the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S.C. Section 602, have been violated. Section 602 emphasizes the importance of accuracy and fairness in credit reporting, mandating consumer reporting agencies to follow reasonable procedures to ensure maximum accuracy.

Right to Privacy : Additionally, I would like to highlight my right to privacy, which is explicitly protected under 15 U.S.C Section 602. The inaccurate information being reported compromises not only my financial standing but also infringes upon my right to privacy, as it misrepresents my credit history. Failure to Obtain Written Instructions ( 15 U.S.C Section 604 A Section 2 ) : Furthermore, 15 U.S.C Section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without the consumer 's written instructions. I have not provided such instructions, yet the inaccurate information persists on my credit report. Attached FTC Report : In support of my complaint, I have attached the FTC report with the report number XXXX. This report details the inaccuracies and the steps I have taken to address them, providing a comprehensive overview of the situation. Request for Remedial Action : I hereby request a thorough and immediate reevaluation of my dispute, ensuring that all relevant accounts are verified and the inaccurate information is rectified in accordance with the FCRA. Additionally, I urge AMEX to take corrective measures to prevent such violations in the future. Next Steps : If this matter is not resolved promptly and satisfactorily, I may be compelled to pursue legal action to safeguard my rights under the FCRA. I appreciate your prompt attention to this matter and expect a timely resolution. Please provide written confirmation of the actions taken to address this complaint within 30 days of receiving this letter.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

A while back, I successfully settled the outstanding balance on my account with XXXX XXXX XXXX XXXX ensuring it is now paid in full. However, despite this resolution, the entry persists on my credit report. I promptly contacted the company to request the removal of the account, but the issue remains unresolved. Despite my persistent efforts, the inaccurate information continues to impact my credit history. I am actively engaged in ongoing communication with XXXX XXXX XXXX XXXX  to address this discrepancy promptly. It is crucial that the necessary steps are taken to rectify this issue and update my credit report to accurately reflect the current status of my account. I remain steadfast in my commitment to resolving this matter and maintaining the accuracy of my credit history.
Consumer complaint received 2023-05-08
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-05-05
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint Against NATLCRSYS for Violating My Rights Under 15 USC 1681-s 2 ( 7 ) ( A ) Dear Sir/Madam, I am writing to file a formal complaint against NATLCRSYS for violating my rights under 15 USC 1681-s 2 ( 7 ) ( A ) by reporting inaccurate information on my consumer report. As a consumer, I am deeply concerned about the impact of this inaccurate reporting on my financial well-being and reputation. 

On XX/XX/2024, I obtained a copy of my consumer report from the CRA and discovered that there were several inaccuracies in the information reported. Specifically, the date this account was opened, and date last active, all three bureaus are showing different dates. 

These inaccuracies have had a detrimental effect on my credit score and have made it difficult for me to access credit or financial services.

This has caused me undue stress and financial hardship, as I have been unfairly penalized for information that is not a true reflection of my credit history.

I believe that NATLCRSYS 's actions are in direct violation of my rights under 15 USC 1681-s 2 ( 7 ) ( A ), which requires consumer reporting agencies to maintain accurate and up-to-date information on consumer reports. By failing to do so, NATLCRSYS has not only harmed my financial standing but has also undermined my trust in the consumer reporting system.

Additionally, under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), debt collectors are required to provide consumers with written notification of their rights. I have not received any such notification from NATLCRSYS, which is a clear violation of this regulation.

I am seeking your assistance in investigating this matter and ensuring that NATLCRSYS complies with the relevant laws and regulations governing consumer reporting.

I appreciate your attention to this matter and look forward to a prompt resolution. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (CA)

I requested my report, in the mail i received notification they didnt have it or could not verify me, i contacted them on XX/XX/XXXX and was able to get my identity verified They sent me a letter with a link to my report which i could not access, i contacted support via email, they tell me to call, i can not get through to a live individual I contact them via email and ask for a supervisor, they refuse to comply and thus have not provided me with the report i have asked for
Consumer complaint received 2023-12-11
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. (NC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.