davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rubin & Rothman, LLC (NY)

On XX/XX/2023 I received a correspondence from attorneys Rubin & Rothman , LLC in an attempt to collect a debt. I was given until XX/XX/2023 to dispute the debt. On XX/XX/2023 I sent a response to Rubin & Rothman , LLC disputing the debt. I did not receive any further information or correspondence from the XXXX, let alone documentation proving that I owe the debt. Instead, Rubin & Rothman , LLC violated the FDCPA and opened a lawsuit against me on XX/XX/2023 in an attempt to collect a debt that was not verified. On XX/XX/2023, I called Rubin & Rothman , LLC requesting a copy of my original finance agreement with the Plaintiff to be mailed to me. I have copies of every written correspondence made between myself and Rubin & Rothman , LLC, and every correspondence created by me was sent via Traceable Mail, either Registered or Certified. Documentation is available upon request.
Consumer complaint received 2023-04-25
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. (CA)

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 STATES A CONSUMER CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-10-20
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. (NY)

XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX Balance {$610.00} XXXX XXXX XXXX XXXX Account # XXXX Balance {$72.00} 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 a account without my written instructions
Consumer complaint received 2023-10-20
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. (DE)

This is XXXX 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.
Consumer complaint received 2023-06-23
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: GOLDMAN SACHS BANK USA (IL)

On XX/XX/XXXX we entered into a contract with XXXX XXXX XXXX to replace a window, an entry door and 3 patio doors. They installed them in XX/XX/XXXX, but 2 of the patio doors were not the doors we ordered. 
They said they would reorder them. They said it would take about 6 months to replace them. I paid for the window, the entry door and the 1 patio door, but I did not pay for the 2 patio doors that were not correct. 
In accordance with our contract with XXXX XXXX XXXX. 
On XX/XX/XXXX our house burned down. 
I advised XXXX XXXX XXXXXXXX and Green Sky that we still wanted the 2 patio doors we ordered and would set up a installation date when we rebuilt our house. The installed the 2 doors in XX/XX/XXXX. 
I paid for the 2 doors in full in XXXX. 
The problem I have is Green Sky and XXXX XXXX placed the bill for the 2 patio doors in collection in XX/XX/XXXX. I was never advised about this action. Due to this my Credit Score dropped from over XXXX to the mid XXXX.
Consumer complaint received 2023-09-26
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. (MD)

I am writing this to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges listed. I ask that the items be deleted to correct my credit report. I report this theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items as soon as possible.
Consumer complaint received 2024-01-31
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: Bread Financial Holdings, Inc. (MI)

Comenity bank/XXXX XXXX and XXXX is reporting inaccurate information. The credit application that was received by Comenity bank is the security that funds this credit transaction. The IRS clearly and conspicuously states that I am entitled to receive the principal and interest while XXXX XXXX has to pay the taxes. Thats how I know this account could have never been late because XXXX XXXX was required to apply the interest to the balance to settle the account.
Consumer complaint received 2023-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (TX)

On Sunday XXXX XXXX  XXXX of 2023 I received a XXXX  credit card from XXXX in XXXX Ohio with a XXXX credit limit that I did not apply for. On Thursday XX/XX/2023 I called XXXXXXXX XXXX fraudulence center and spoke with customer service representative XXXX employee ID number XXXX and reported this card as fraudulent in that I did not apply for it. She took my information and was very nice. She closed the account after telling me that luckily it had not been used yet. I live in Texas and apparently the application came from the New York New Jersey area. She recommended I contacted www.ftc.gov to report it and that she would report it to the credit bureau. She also recommended that I contact the credit bureau myself and my bank.

Bottom line people, be careful with your private information and be diligent in checking your credit regularly.
Consumer complaint received 2023-04-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (MA)

On XX/XX/23 I paid off my lease in full to purchase the vehicle. A payment of {$11000.00} was confirmed received by the lender which was the quoted buyout amount through XX/XX/23. When I call to check on the status of the title release I get sent to collections where they claim I am past due on a payment which is completely false. It appears that they internally changed the date of receipt of my payment to look as though I owe more money. They have not or will not send me the bill of sales to complete the buyout. They have now held my money for two weeks and have not credited my loan. They will not complete the buyout transaction. I have called at least 6 times and I get bounced from VRU, to collections, to end of lease to escalations. Its actually appears criminal what is happening here.
Consumer complaint received 2024-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (TX)

My square account is deactivated and theyre wrongfully holding my funds and also closed my account I provided all the requested information and my account is as still suspended. I was also forced to issue a refund that I sold merchandise for and was told that was the only way to unfreeze my account so I lost {$950.00} on that and they told me theres nothing they can do even though they forced me to issue a refund after I explained that the buyer already received what they paid for. And theyre also holding {$500.00} of my money and also {$200.00} I would like my funds released and issued to me ASAP! Thanks so much!
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. 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 2023-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Consumer complaint received 2024-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been affected by the XXXX XXXX data breach. I have had some identity theft with accounts since XXXX. Then the identity theft expanded dramatically during the pandemic to include apartments and evictions. It has many accounts and collection accounts. the accounts and then the collection accounts for the same debt are both listed on all XXXX credit reports. I have a police report documenting this and an FTC report. I have submitted dispute after dispute but in XXXX hrs the credit reporting agencies come back with creditor states account is valid. The creditors do not provide any evidence of this and it is unlikely anyone even reached out as some of the resolutions to the dispute happen in less than an hour. 
I have attempted to enroll in the credit restoration services that I supposedly could get but those are expired and the code to enroll was actually only good for 2 months and I have now called the enrollment number 3 times and they just transfer me to a number that is no longer in service. The ID restoration service is completely fake. The phone number you are ultimately sent to is no longer in service. 
All XXXX bureaus are refusing to actually investigate and remove items.
Consumer complaint received 2023-04-27
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. (WA)

All my data was sold by XXXX and possibly to many other unknown companies starting several years ago potentially as far back as 2007, even during my time in the XXXX XXXX. Between then and now I am not sure to what extent my personal identity and information has been breached and shared. There is an XXXX XXXX account that I am not aware of in collections. There are three unknown hard inquires on my report as well. There is also a XXXXDept of Ed account that should not be there, as that loan is not valid because the original loan was cancelled as a result of a class action lawsuit ( Sweet v. Cardona ) XXXX I also did not give, authorize, or provide any WRITTEN CONSENT for any of the information shown on my credit reports of which are being reported by these reporting agencies.
Consumer complaint received 2024-04-24
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. (NY)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-11-02
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. (CA)

I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The following inquiries are unauthorized, and I ask that you DELETE them : XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I, XXXX XXXX, I was denied a product due to a extended Fraud alert on my consumer credit report. I did NOT ever request an extended fraud alert or ANY other fraud and/or alerts to be on my credit report
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-04-27
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. (IN)

I have had identity theft and have been disputing fraudulent information on my credit reports with the three main bureaus XXXX, transunion and XXXX to no avail. 

I have even sent them a copy of my identity theft reports but they refuse to investigate. Even if there was no identity theft, the information is still inaccurate across the bureaus as follows : XXXX XXXX XXXX. Is not my account! 

XXXX XXXX {$1000.00} Is not my account! 

XXXX XXXX Is not my account! 

XXXXXXXX XXXX  Acnt # XXXX {$9200.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX Acnt XXXX XXXXXXXX {$820.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX Acnt # XXXX {$1700.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX Acnt XXXX XXXXXXXX {$3800.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX Acnt XXXX XXXXXXXX {$540.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX Acnt XXXX XXXX {$2900.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX Acnt XXXX  XXXX {$570.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX Acnt XXXX XXXXXXXX. {$360.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX Acnt XXXX XXXX {$770.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX Acnt XXXX XXXXXXXX {$540.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX XXXX XXXX the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX / XXXX XXXX XXXX the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : last payment :
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Consumer Financial Protection Bureau Consumer Response Center XXXXXXXX XXXX XXXX, XXXX Washington , DC XXXX To Whom It May Concern : I am writing to request the removal of any and all inaccurate personal information from my experian credit report. I have done research on Section 15 - 611 of the Fair Credit Reporting Act ( FCRA ), and I believe that the information is inaccurate and should be removed. 

The specific information that I am disputing is the following : Any address other than XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. 
I have never lived at any other address, and I believe that this information is incorrect. I have attached a copy of my lease agreement as proof of my current address. 

I am requesting that you investigate this matter and remove the inaccurate information from my credit report. I am entitled to do this under Section 15 - 611 of the FCRA. 

I would appreciate it if you could investigate this matter and remove the inaccurate information from my credit report within 30 days. If I do not hear from you within 30 days, I will file a complaint with the Federal Trade Commission ( FTC ). 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX