davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
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. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

There are several inaccuracies on my consumer report. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2024-04-23
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Brock & Scott, PLLC (GA)

On XX/XX/XXXX XXXX XXXX Sheriff Officer delivered a notice of civil action suit to my residence that was filed in the XXXX XXXX XXXX XXXX XXXX XXXX of Georgia. The Law Firm of Brock & Scott PLLC is the plaintiff ( XXXX XXXX, XXXX XXXX  XXXX. ) attorney attempting to collect a debt by filing a civil suit I do not know of. This is a direct violation of 15 USC 1692e ( 4 ) - the threat to suit is illegal in the collection of ANY DEBTS. This is a right secured to me by the code herein and the 4th Amendment of the US Constitution. This law firm also directly violates 15 USC 1692e ( 3 ) because you can not represent as an attorney and collect a debt at the same time without being a debt collector. I appeared in court on XX/XX/XXXX, the judge stated a notice of change of hearing to XX/XX/XXXX due to Brock & Scott PLLC requesting for additional time to state their claim. I filed an Affidavit of Demand for Validation in the court on XX/XX/XXXX, demanding that XXXX XXXX XXXX XXXX, N.A.-Brock & Scott PLLC , provide the original signed contract between XXXX XXXX XXXX XXXX  XXXX XXXX. and myself explicitly stating my consent to the debt and the term of repayment. As well as a complete record of all books of accounting and ledgers evidencing any loss or harm sustained by their office for providing the undersigned with any services including all contracts compelling my performance following said contract bearing my wet ink signature seal and be certified for my inspection. I sent the company a copy of the filing certified copy mail receipt number XXXX. XXXX XXXX XXXX XXXX, XXXX- Brock & Scott PLLC has not responded to my Affidavit. An unrebutted affidavit stands true in commerce. I hereby declare I have not entered into any agreement of said debt.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (FL)

I Was Never Late on the Payments of the accounts Listed Please show me documentations showing proof of transactions showing I was ever late to Support your inaccurate Reporting on my accounts, IF you can not Supply this Please Delete these Allege late payments from my Credit Report, These are Invalid late payments, The FCRA allows 30 days for this to be rectified.
Consumer complaint received 2023-09-17
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: WELLS FARGO & COMPANY (CA)

I called Wells Fargo on XX/XX/XXXX XXXX XXXX XXXX to file fraud because my credit card was lost and unauthorized charges were made. Wells Fargo was able to provide me credit adjustments. However, they did not provide me all the credit adjustments needed. I used my credit card from XX/XX/2023 up until now with the balance of {$1300.00}. My credit card balance is showing {$3000.00} as of now XX/XX/2023.
Consumer complaint received 2024-01-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MO)

For the third time in less than 9 months this company has checked my credit and lowered my credit limit. I filed a compliant against this company in XXXX I believe with you all. You all did nothing about my complaint with this horrible banking institution. They have once again made an inquiry on my credit and reduced my limit. They just made an inquiry in XXXX. There has been no changes between XXXX and XXXX on my credit. I have no late payments, no new negative or derogatory accounts. This company is targeting me because they have horrible policies that I complained about a few months ago, and still have not been changed. Every time they check my credit, that is an inquiry and that lowers my credit score, the lower my credit limit and that impacts my credit score as well. I will now contact every member of congress and get someone's attention about this matter. XXXX XXXX XXXX XXXX XXXX every media outlet until change is made. There is no reason whatsoever to have my credit checked three times and my limit lowered each time by this company. Who else are they abusing and striving to ruin the credit of. I will reach out to each store that they also service with store credit cards to encourage that they cut ties with them and find another bank.
Consumer complaint received 2024-01-17
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I have an e gift card for Amex and can not use this for anything. It was sent to me via email, so I dont have an actual card. I had won a picture contest from XXXX over a year and a half ago XX/XX/2022 and the funds were sent to me in the form of This e gift card. I can not use it in the stores, as its a piece of paper. I have tried to use it online XXXX and it gets declined. When I called Amex they just tell me to use it at stores. I have gone to my local grocery store with the paper and they said they cant enter it, and I went to XXXX and the same scenario. 

Ive had to pay taxes on this money, so I dont think its fair that I can not use it.
Consumer complaint received 2023-09-24
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: Experian Information Solutions Inc. (OH)

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to I provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 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 The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Letter to Credit Bureau Dispute information in Credit Report File Date 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 Dear ( XXXX XXXX, This letter is to serve as a formal dispute regarding inaccurate information contained within my credit report file with your agency. 

I have identified herein the items that I am disputing : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX The items I dispute are also circled on the attached copy of the credit report file I received. This is ( INACCURATE OR INCOMPLETE ) because I never had an apartment at XXXX apartments in my life, therefore this was fraudulently opened. 

I am requesting that the items be deleted ( OR REQUEST A SPECIFIC CHANGE ) to correct the information contained within my credit report file. 


Please investigate this matter and ( DELETE OR CORRECT ) the disputed items as soon as possible.
Consumer complaint received 2024-04-23
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. (IL)

PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.
Consumer complaint received 2024-03-30
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: U.S. BANCORP (IL)

Bank is using my funds against my will. I did not consent to a XXXX  interest rate or a another 3 months CD. I want to close all my accounts. I no longer wish to do any more business with them.
Consumer complaint received 2023-09-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES (IN)

I was taken to court by this company while I was out of the country at the time and was unable to appear in court to respond to the court date. Over the summer, I had unforeseen circumstances and fell behind on the payments that were forced upon me as a result of my not being able to appear in court. This has caused me emotional distress, and I am requesting that the remainder of this debt be removed because the initial judgment was unfair in the first place. Since I didn't have the opportunity to defend myself in the initial judgment, They are engaging in unlawful practices of intimidation and abuse in their collection activities. It is wrong and unjust. There are laws that strictly forbid this type of behavior. They also called last Friday at XXXX XXXX  regarding my debt.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (GA)

On XX/XX/XXXX I submitted information to all companies that were listed on my credit report. I never gave written or verbal consent for any company to report anything on my report except the date the account was open, pay status, and loan type. 
Per 15 USC 6801 ( FCRA ) it is policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non-public personal information.
Consumer complaint received 2024-04-23
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. (TX)

I hope this email finds you well. I am writing to follow up on my previous communications regarding the removal of fraudulent items from my credit report. This marks the 4th formal attempt to address this critical matter.

Despite my repeated efforts and numerous requests, the fraudulent transactions remain unresolved, causing significant distress and affecting my financial credibility. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Source Receivables Management LLC (NV)

This letter shall serve as notice of my intent to file a lawsuit against your company Source Receivables Management LLC. 

You are in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681, for unlawfully obtaining my XXXX  consumer report on XX/XX/XXXX without my consent or a permissible purpose under the FCRA. 

I am aware that your company is a debt collector listed under 15 U.S.C 1692a ( 6 ) of the Fair Debt Collection Practices Act ( FDCPA ) who regularly collects or attempts to collect debts. Upon reviewing my consumer report, it became evident that the inquiry was made without any legitimate reason. I have not had any transactions with Source Receivables Management LLC, I do not have an account for review or collection nor have I received any collection notices. Your company invaded my right to privacy by accessing my consumer report without my authorization or a valid permissible purpose, thus violating 15 U.S.C 1681b. 

As a result of your employees/agents unlawfully obtaining my consumer report under false pretenses and knowingly without a legitimate permissible purpose you are liable to me for actual and statutory damages up to {$1000.00} pursuant to 15 U.S.C 1681n ( 1 ) ( B ). 

I am willing to settle this matter with full and final settlement of this issue if you adhere to the following demands : ( 1 ) cease and desist from any further unauthorized access to my credit report ( 2 ) cease and desist collection activities and close the collection file ( 3 ) compensate me {$1000.00} payment by check. The check can be delivered by mail to the address listed above within 15 days of receiving this notice. You can also contact me via email if you have any questions regarding settlement. 

Please be advised that if Source Receivables Management LLC fails to comply with my demands within 15 days of receipt of this notice, I will immediately pursue legal action in federal court. I trust that your company Source Receivables Management LLC will take this matter seriously and work to resolve this issue promptly. 

Sincerely, XXXX XXXX Last 4 of social : XXXX Date of Birth : XX/XX/XXXX
Consumer complaint received 2024-01-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC. (CA)

My loan company has not been applying my payments to any of my late fees and has been charging me late fee 's for my late fee 's. According to them, I've never paid any late fees and all payment made online have been applied to the interest most of all and partial to the principal. I requested the information in detail for the payment allocation and was just forwarded back to the payment history page online which has very minimal information. I fear that at the time of my maturity which is in about 6 months they will push more hidden fees on me than expected. The other issue is the true balance payment due. The amount keeps changing, yesterday I made a payment and before the payment it said I owed XXXX, made a payment of XXXX and this morning it's telling me I owe XXXX. With that said, I want to protect myself for paying anymore additional fees than I have to.

Can you help me?
Consumer complaint received 2024-04-23
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 hope this email finds you well. I am writing to follow up on my previous communication regarding the correction of a late open account. This marks the 2nd formal attempt to address this matter.

As discussed previously, there appears to be an error in the opening date of one of my accounts, which is negatively impacting my credit history. Despite my initial request, the necessary corrections have not been made, and the late open account continues to inaccurately reflect my financial standing. 

I kindly request that you revisit this issue and take the appropriate steps to rectify the opening date of the account in question. Ensuring the accuracy of my credit report is essential for maintaining my financial integrity. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX XXXX Balance : {$8300.00}.
Consumer complaint received 2023-09-25
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. (NV)

To provide some context, I have thoroughly reviewed my credit report and discovered numerous inquiries and accounts that I did not authorize or have any knowledge of. These items have negatively impacted my creditworthiness and have caused significant distressed inconvenience in my personal and financial life. It is worth noting that these fraudulent entries are clearly not reflective of my credit history and are therefore erroneous AND misleading. Moreover, it is important to note that these inquiries and accounts have bee reported without a permissible purpose. According to the FCRA, credit inquiries AND account reporting must be conducted with a legitimate reason, such as in connection with accredit application or account review initiated by the consumer. In this case, I have neither applied for credit nor requested any account activity that would justify the presence of these items on my credit report. The unlawful reporting of these fraudulent and unauthorized inquiries and accounts not only damages my creditworthiness but also exposes me to potential financial harm. It is imperative that you take immediate action to rectify this situation and remove these inaccurate and unauthorized entries from my credit report. I request that you conduct a thorough investigation into this matter and provide me with a detailed explanation of how such erroneous information was allowed to appear on my credit report. Additionally, I expect a prompt resolution, including the removal of all fraudulent and unauthorized inquiries and accounts, as well as a written confirmation of the correction made. Please be advised that the FCRA provides consumers with certain rights and remedies in cases of inaccurate and unauthorized credit reporting. I am prepared to exercise all available legal options, including filing a complaint with the Consumer Financial Protection Bureau and seeking appropriate legal redress, if necessary, to protect my rights and ensure compliance with the law. I trust that you will treat this matter with the urgency and seriousness it deserves. I expect a prompt response within [ reasonable timeframe, e.g.,30 days ] from the date of receipt of this letter. Failure to address this issue adequately may result in further legal action. I strongly urge you to rectify this violation of my consumer rights promptly and to take all necessary steps to prevent such incidents from occurring in the future.