davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-14
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: LCI Acquisition Inc. (CA)

XXXX  XXXX bankruptcy on my credit report needs to be removed they do not report information to any credit bureaus and I have attached a letter from the courts stating they do not report to credit agencies. The bankruptcy was also inaccurately verified the courts name is UNITED STATES BANKRUPTCY COURT NORTHERN DISTRICT OF CALIFORNIA the courts they have on my credit report is not the name of the courts. I have attached proof In accordance with the Fair Credit Reporting act XXXX Account 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 2022-12-26
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: FactorTrust, Inc. (NV)

I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc XXXX681 i ( 7 ) Read A and 2 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 2023-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am formally requesting the removal of fraudulent accounts from my credit report. I am not aware of these accounts and they do not belong to me. As per USC 1681g, I request that these accounts be deleted within 15 days. Please refer to the attached documents for evidence supporting my claim.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.

15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2024-01-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc. (TX)

I have never heard of this debt, received any communications from the debt collector, been called, contacted, reached out to, served notice, or anything prior to this appearing as a collection on my credit report. 
I have had numerous and frequent identity theft including recent XXXX XXXX fraud and have reported it to the XXXX.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (TX)

I reviewed my Credit report and noticed that Comenitycapital/Ultamc account number XXXX reported to XXXX on numerous occasions as will show in the document below named " Revolving Accounts '' when they knowingly reported false data to XXXX and XXXX! This person violated FCRA deliberately and knowingly! ( see Revolving Accounts ) namely the months of 2023 Actual Payments vs XXXX months of 2023 Payments! Law has been well established in regards to this issue. Furthermore Comenitycapital/Ulta has Conspired with XXXX and XXXX to deprive me of my rights in regards to 15 U.S. Code Sec. 1681 ( d ) ( 1 ) In General Consumer Report also under 15 U.S. Code Sec. 1681 ( 2 ) Exclusions : Consumer Report shall not Include the following : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; This is in Clear violation of my Right to a Fair Credit Report. Congress has held that it is a GRAVE responsibility to report accurate information which has not been done here.

I WAS NOT AFFORDED THE OPPORTUNITY TO OPT OUT OF THE SHARING OF MY INFORMATION TO ANY THIRD PARTIES NOR WAS I NOTIFIED OF THIS RIGHT PRIOR TO THE SHARING OF MY PERSONAL INFORMATION BY ANY PERSON IN REGARDS TO THIS MATTER.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

This serves as my follow-up submission complaint concerning my prior complaint dated XXXX I am eagerly awaiting an update and the removal of specified items from my credit reports. I anticipate that the items listed in this follow-up complaint will be expunged from my credit reports within the next 15 days. Additionally, I have re-attached my FTC report with reference # XXXX for your reference. The following items are those I expect to be removed from my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NJ XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance {$0.00} 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 XXXXEQUIFAX : US DEPARTMENT OF EDU XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2024-01-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Self Financial Inc. (IL)

The company XXXX XXXX self bank I have tried to contact several times regarding an old closed account with no success I have mailed called and emailed the company regarding the debt they are reporting to all 3 credit bureaus I do not owe this debt I was not aware of this debt and when I called in regards to the debt I was never contacted back, this debt has NEGATIVELY effected my health my mental mind state and my ability to get any loans or credit cards or any new credit because it is negatively effecting my credit, Not only is it negatively effecting my credit the company is not reporting the Debt accurately across all 3 credit bureaus according to FCRA it is report accurately across all 3 credit bureaus and it is not doing so, this account needs to be deleted immediately so I can move on with my life and have a fair chance at building my life and building credit
Consumer complaint received 2017-04-04
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (IL)

I took out a FHA mortgage loan FHA case No. XXXX XXXX was servicing the loan.My frustration with trying to get Wells Fargo Bank to honor this Consent Order agreement with your office. I am writing this letter because I have fought and fought to save my home and to keep from being homeless. Wells Fargo Bank and its attorneys have refused to offer me an affordable modification under HAMP, nor have they inquired as to my financial, qualifications so that I may stay in my home with my family. In XX/XX/XXXX I relied on 12 USC 95 a ( 2 ) to transfer my interest in the mortgage and note. The state court has ignored my pleas in Illinois XXXX court case XXXX.The multiple assignments, not allowing the provisions in the agreement under the regulation HUD which limits the rights in case of payment default. What is the purpose of the Consent Orders in XX/XX/XXXX, XX/XX/XXXX, if the people in which were mostly affected can not enforce or receive any benefits outlined by the Comptroller? What good is the Consent Order agreement if it is intended to be teeth less and/or the Banks failed to comply with Title XXXX Part XXXX " Subpart C- Servicing Responsibilities '', including, but not limited to XXXX, XXXX, XXXX XXXX, XXXX ( XXXX ), XXXX and XXXX
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

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

15 U.S.C 1681 section 602 A. States 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 2024-01-13
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. (IN)

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


Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Mobiloans, LLC (TX)

I sent a letter certified by mail to Mobiloans for proof of validation or method of validation, both times Mobiloans responded and said the disputes were frivolous. They stated that they do not have to send me any information.
Consumer complaint received 2018-08-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NC)

XXXX XXXX, XXXX is nothing more than a bunch of crooks, this debt they're trying to collect, is so old, older than the statute of limitations. 

They never ever sent me a debt letter, giving me 30-45-days to review or dispute and ask for validation, I never knew this was even on my credit report until within the last several weeks, I emailed the CEO XXXX XXXX and he has ignored all my request. 

I had an Attorney sent me some information about how crooked this Business is. 
which is owned by Encore Captial, the Attorney sent me the 60-pages of  documents where they were sued by the Consumer Financial Protection Bureau for the exact things, they are doing to me. https : //files.consumerfinance.govXXXX This crooked Business will stop at nothing, They settled with the CFPA, but still breaking the same laws. claiming I owe them money for a credit card debt. 
this is insane, and they not once send me a debt letter, maybe to a third party which is illegal, but not to me, I ask for proof, such as a certified return receipt. 

But again CEO XXXX XXXX ignored all email request. I demand this illegal debt be removed from all three credit reporting agencies right away.
Consumer complaint received 2018-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (IL)

I had an account with Citi Bank. Around 2017 I received email notification to fill out a form if I was erroneously enrolled in a credit protection plan without my authorization. 
I filled out the form and submitted it electronically via the link provided by Citi Bank in the email. FYI - I no longer have a City Bank account. 


Earlier this year I received a letter ( attached ) from Citi Bank claiming that a check was not cashed. I did not receive the check that was allegedly sent to my condo. I filled out the new form provided by Citi Bank, advising where the check should be resent. 
I have not received any further information from Citi Bank. I know at least one other entity ( XXXX XXXX XXXX ) that received the same letter from Citi Bank, then followed the instructions and did not hear back. 


Calls to the number provided on the City Bank letter have proved futile as the customer service agents have no knowledge of the matter and/or the letter.
Consumer complaint received 2024-01-12
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. (FL)

I hope this letter finds you well. I am reaching out to express my dissatisfaction regarding certain hard inquiries that persist on my credit report, as outlined in your recent correspondence. While I understand that the involved creditor has their own internal fraud processes, it remains troubling that Equifax permitted these inquiries without securing my explicit consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GOLDMAN SACHS BANK USA (PA)

I have attached a copy of both 1099-C that was filed for the following accounts XXXX and XXXX to show proof that the debt were paid. Additionally I have requested that they removed the stated accounts from my consumer reports and it has yet to be done.
Consumer complaint received 2024-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt.  TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2023-07-17
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: Experian Information Solutions Inc. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 2024-01-13
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. (OK)

In accordance with the Fair Credit reporting act XXXX Account # 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 State a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-04-15
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: EQUIFAX, INC. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$22000.00} XXXX XXXX Balance : {$22000.00} XXXX XXXX Balance : {$22000.00}
Consumer complaint received 2024-04-07
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. (AL)

XXXX XXXX  XX/XX/2022 balance {$5800.00} I do not recognize this account that is on my credit report. I have never opened an account with this company, nor have I ever heard of them.
Consumer complaint received 2023-04-15
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. (PA)

Based on, 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 result 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 identi theft!! Please delete these items as soon as possible!

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 und 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 CONSENT to report anything on my consumer report which vid rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Closed Account Names : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (LA)

While reviewing my credit report, I noticed a collection account in the amount of {$810.00}. I have attempted to write the company to validate this debt but has note received a response. I have proof that the company received my certified letter on XX/XX/2020.
Consumer complaint received 2022-12-07
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: EQUIFAX, INC. (CA)

I Accordance with the Fair Credit Reporting Act CXXXX 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 has violated my rights. 
15 USC 1681 Section 602 A, States I have the right to privacy 15 USC 1682 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the Consumer.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am writing to dispute the following information that you are providing on my credit report : XXXX days late payments. 

For starters You have been billing me incorrectly since XX/XX/2023. You have charged for me fraudulent charges and failed to remove all of the charges after I opened a claim. As you are aware all charges with balances create interest which Im forced to pay. I have written multiple letters for this to be corrected. The billing error has finally been updated XX/XX/2023. Which is also when you reported inaccurately late payments. XXXX, Equifax and XXXX shows that you state that there was not a payment made in XXXX or XXXX. That is False. Your rep stated that I made a {$70.00} payment on my account in XX/XX/2023. However I also made a {$280.00} payment and XXXX credited my account an additional {$81.00}.