davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to dispute the account referenced above currently appearing on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692g ( a ) ( 2 ), I am demanding that you provide me with the name of the creditor of this account.

Furthermore, pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt and how this amount was calculated. Please note that this is solely a request for validation of the AMOUNT of the alleged debt, as mandated by 15 USC 1692g ( a ) ( 1 ). 

Below are the details of the account in question : COLLECTION Account Number : XXXX High Balance : {$1500.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00} Closed Date : Not applicable Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Other Collection Agencies Account Status : Open Payment Status : Collection/Chargeoff Creditor Remarks : Placed for collection Original Creditor : COLLECTION Payment Amount : Not available Last Payment : Not available Term Length : Not applicable Past Due Amount : Not available Account Type : Not available Payment Frequency : Not available Credit Limit : Not available I request that you provide the following information : The name of the creditor associated with this account. 
The amount of the alleged debt. 
A detailed breakdown of how the amount of this alleged debt was calculated.

Please be advised that failure to comply with these requests may result in further action to protect my rights under the FDCPA and the Fair Credit Reporting Act.

I expect a response within 30 days from the receipt of this letter, as required by law. Your cooperation in this matter is appreciated. 

Thank you for your prompt attention to this dispute.
Consumer complaint received 2024-04-21
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: EQUIFAX, INC. (GA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-11-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP (KY)

The XXXX wire department has withheld XXXX dollars, which was sent from my USBAK account for the purchase of a flight that I rejected due to a price variation of the company XXXX XXXX, as well as sending me a receipt of the purchase when it was not sent. carried out, alarming my concern and giving way to the retention of that money on my part, opening a case for possible scam with number # XXXX, XXXX On XX/XX/2023, since that date I had not received a response from the bank and I decided to call to the bank and claim my funds and the bank opened another refund case # XXXX, FURTHER COMPLICATING THE PROCESS AND RETAINING MY FUNDS DUE TO AN INVESTIGATIVE PROCESS WITHOUT SOLUTION TIME AND RETENTION OF MY FUNDS, IS THE RESPONSE OF THE WIRE DEPARTMENT OF XXXX BANK
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX ] Account INQUIRY DATE : [ XX/XX/XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2024-04-21
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)

I want to clarify my first and last name, my current address and my full- time XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Recently I looked at copy of my credit report and noticed several inaccuracies in my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to endurance accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX # XXXX XXXX XXXX. XXXX ( XXXX ) XXXX XXXX XXXX XXXX Equifax : XXXX # XXXX XXXX XXXX. XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX # XXXX XXXX XXXX. XXXX ( XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (NM)

On XX/XX/2023 a check was fraudulently drawn on my account for {$5200.00}. On XX/XX/2023, that money was returned to my account. 

On XX/XX/2023 {$920.00} was fraudulently taken from my account ( which only had {$330.00} in it to begin with ... ) this time, BMO-US did not return the funds, instead, freezing my account and telling me I had to go into the local branch office to discuss further. I went to BMO 's Branch office in XXXX, FL. The representative helping me, XXXX XXXX, proceeding to close my account and open a new account that my funds could be sent to once this was resolved. She ended up completing the wrong paperwork, which was then notarized by the XXXX XXXX, XXXX XXXX XXXX who, apparently, was just as clueless on how to handle my situation. 

In the meantime ( XXXX month later in XXXX ), I travelled across country to New Mexico when it was revealed to me that the paperwork I submitted was incorrect and that I would need to seek out a local BMO branch. I then went to BMO in XXXX XXXX, NM, where the Branch Manager completed the appropriate paperwork, but then sent the paperwork along to XXXX XXXX at BMO-XXXX XXXX so that she could complete a section ( 4 ) on the " Affidavit of Forged or Altered Checks '' called " Additional Information Required. '' I've asked her repeatedly for a copy of this document for my records and she avoids getting back to me. I have a complete list of emails and phones calls that I've made to the branch and BMO-Customer Service and I'm getting no help at all.
Consumer complaint received 2024-04-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am disputing the account referenced above currently appearing on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692g ( a ) ( 2 ), I am demanding that you provide me with the name of the creditor of this account.

Furthermore, pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt and how this amount was calculated. Please note that this is solely a request for validation of the AMOUNT of the alleged debt, as mandated by 15 USC 1692g ( a ) ( XXXX ). 

Below are the details of the account in question : Account Number : XXXX High Balance : {$1500.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} Closed Date : Not applicable Account Rating : Open Account Description : Individual Dispute Status : Account not disputed Creditor Type : Credit Unions Account Status : Open Payment Status : Late 120 Days Creditor Remarks : Not available Original Creditor : Not available Payment Amount : {$28.00} Last Payment : XX/XX/XXXX Term Length : Not applicable Past Due Amount : {$150.00} Account Type : Credit Card Payment Frequency : Not applicable Credit Limit : {$0.00} I request that you provide the following information : The name of the creditor associated with this account. 
The amount of the alleged debt. 
A detailed breakdown of how the amount of this alleged debt was calculated.

Please be advised that failure to comply with these requests may result in further action to protect my rights under the FDCPA and the Fair Credit Reporting Act.

I expect a response within 30 days from the receipt of this letter, as required by law. Your cooperation in this matter is appreciated.

Thank you for your prompt attention to this dispute.
Consumer complaint received 2023-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc (MI)

ABC Solutions, I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the continuous harassment I have been subjected to by your company in relation to a debt that does not belong to me. This ongoing harassment has caused significant distress and inconvenience in my life, and I believe it is essential for ABC Solutions to rectify this situation promptly.

Despite my repeated attempts to inform your company that I am not the individual associated with the debt in question, I have been persistently contacted through phone calls, emails, and letters demanding payment. This relentless pursuit has caused me undue stress and XXXX, as well as wasted a considerable amount of my time and energy in trying to resolve a matter that is not my responsibility.

I would like to bring to your attention that under the Fair Debt Collection Practices Act ( FDCPA ), it is illegal for debt collectors to engage in harassing or abusive behavior, including contacting individuals who do not owe the debt. Furthermore, the FDCPA grants consumers the right to dispute the validity of a debt and requires debt collectors to provide accurate and verifiable information upon request.

I kindly request that ABC Solutions immediately ceases all communication and collection efforts regarding the debt in question. I have taken the necessary steps to verify my own financial records, and it is evident that this debt does not belong to me. I expect your company to respect my rights as a consumer and cease any further attempts to collect this debt from me.

I believe that I am entitled to compensation for the distress and inconvenience caused by ABC Solutions ' relentless harassment. I kindly request that your company provides appropriate compensation for the emotional distress, time wasted, and any other damages incurred as a result of this situation. I trust that ABC Solutions will handle this matter with the utmost professionalism and take immediate action to rectify the situation.

Please be aware that failure to comply with the FDCPA and resolve this matter promptly may result in further legal action being taken to protect my rights as a consumer. I expect a written response from ABC Solutions within [ reasonable timeframe, 14 days ] confirming that all collection efforts will cease and outlining the steps taken to compensate me for the damages caused.Thank you for your immediate attention to this matter. I trust that ABC Solutions will rectify this situation promptly and ensure that I am no longer subjected to harassment regarding a debt that is not mine.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I requested that a few accounts on my credit file with TransUnion be investigated starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent several follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: DISCOVER BANK (CT)

i recently pulled my consumer report from experian, XXXX, XXXX. When i noticed so unauthorized inquiries on my credit report. these inquiries and charge off accounts are causing alot of stress in my life, which is resulting in a financial crisis DISCOVER BANK/XXXX XXXX, XXXX, XXXX XXXX XXXX/ $ XXXX XXXX, XXXX, XXXX XXXX $ XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX/ $ XXXX XXXX, XXXX
Consumer complaint received 2023-11-09
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed below. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (PA)

I saw a charge for {$130.00} on my credit card that was made through PAYPAL on XXXX XXXX XXXX  The phone number listed on the account went to PAYPAL. The first representative located the charge and transferred me to a different representative to dispute the charge. The second representative said she couldn't find the charge and then wanted additional personal information. I refused to provide any additional personal information> I don't have an account with PAYPAL and I don't want to open one. This isn't the first time charges have been made through PAYPAL to my credit card without my authorization and it has to stop. The charge was made on XXXX for {$130.00}, last 4 digits of my credit card are XXXX
Consumer complaint received 2024-01-21
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC. (OH)

The car dealership spokesman for XXXX XXXX advised me to tell Santander Consumer USA a lie. He told me to say I work for XXXX instead of XXXX. So he can get profit, and there was a big scratch on left side of the passenger door. I did note that problem to customer services.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (DE)

I have rights to ensure that my private information is not shared without my consent. The Fair Credit Reporting Act and other laws protect my privacy and require consumer reporting agencies like XXXX and XXXX to exercise fairness, impartiality, and respect for my privacy. These agencies need my written instructions to furnish my information to financial institutions. However, I have not given my consent for them to share my information, and they have not informed me of my right to exercise my nondisclosure option. Additionally, they are reporting adverse information about my account without your permission, which is against the law. The agencies are also required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. I have the right to opt out of their reporting at any time.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A. (GA)

My identity was stolen when I was arrested for prison in XXXX to XXXX. The prison coordinators says the will mail my wallet to my address with my ID, social security, bank debit cards, business credit card, and debit card and my personal credit card all was in my wallet. I nerve received it
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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
Consumer complaint received 2024-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-01-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is the second time to encounter this similar issue. Check the Bank of America website for auto-loan rate, it shows as low as XXXX for a XXXX term and also indicates. the rate of " as low '' does not include the relationship discount. 

So I moved forward to submit a pre-qualified application. Later, I received an email to notify I was approved and asked me to call the loan officer. 

After calling them, I was informed that the rate was much higher than the expectation. Inquire about the reason, get an " industrial standard response " that the rate is based on the various factors ''. I further request what to do to get the best rate. The loan officer responded that if I increased the amount, the rate would decrease some. But it is still much higher than the advertisement rate. I further ask that if that take into consideration of relationship discount, the loan officer responded yes. 

I expressed to him that I know my creditworthiness that my credit score meets the A+ tier for ( i would not say 100 % of the financial institution definition but at least 90 % of the financial institution definition ), and I have bank with them more than a decade, never default, and currently platinum tier ( second from the top, top is diamond ) relationship, XXXX XXXX also considered low, and i don't what whatelse could prevent me from get the lowest rate or any of factor that i can expose them to higher risk. If the bank implements risk-based pricing which utilize the credit report, the score has captured tons of risk factors and covert to a score already. If their so-called " other factors '' are part of the calculation of the credit score, it is like double counting or inconsistency since whatever the credit score model used has a unique algorithm to weight different risk factors accordingly. Anyway, the loan officer can't and didn't provide any further explanation or point out any specific reasons that I could expose them to higher risk from the record on his end. 
This appears to be an unethical business practice called " bait and switch ''. And their practice further damages my credit score due to a soft pull or hard pull inquiry as I receive notification from other credit monitoring. I would really know what is the real cause so I can either correct it or stop the attempt with them
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: Experian Information Solutions Inc. (TX)

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

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  XXXX Account NumberXXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX  XXXX XXXX Account Number:XXXX Account Name : XXXX  Account NumbeXXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a 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.