davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-26
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. (MA)

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

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 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may take 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 2023-11-26
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. (MA)

Someone has attempted to fraudulently use my social security number open credit card accounts without my knowledge or consent. I kindly request that all credit bureaus take immediate action to remove all inquiries associated with these fraudulent attempts. All 3 credit bureaus- please scroll and look for your company 's inquiries. 

EXPERIAN -- -- -- -- - 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 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 2023-11-26
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. (KY)

This is to inform you that I've recently pulled my credit report and noticed that theres a collection from your agency on my credit report. I have never been notified of this collection. Under the Fair Credit Reporting Act 15 U.S.C 1681g I have the right to demand that you disclose to me all of the documents that you have recorded in your file at the time of this request. Please don't respond to my request by saying that these accounts have been verified. Under the FCRA 15 U.S.C 1681i, all unverified accounts must be promptly deleted if you do not have any documentation in your file to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). 
Accounts listed below : XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2024-05-24
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: BTH Management (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear PLAZA SERV, I am writing to address a significant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside Saint Louis Missouri identity theft fraud laws, particularly Saint Louis Revised Code Chapter 8.12.

It has come to my attention that PLAZA SERV has engaged in unauthorized reporting to my credit report without securing my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, XXXX XXXX Missouri law, specifically XXXX XXXX Revised Code Chapter 8.12, emphasizes the necessity of consumer consent for credit reporting. Simultaneously, identity theft fraud laws in XXXX XXXX underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for PLAZA SERV to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, potentially causing harm to my creditworthiness and displaying a clear disregard for federal and state laws.

I demand, with utmost certainty, that PLAZA SERV immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and XXXX XXXX Missouri identity theft fraud laws. Failure to comply within the stipulated XXXX timeframe will be considered willful noncompliance, subject to penalties under applicable laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and XXXX XXXX Missouri identity theft fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that PLAZA SERV will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (NJ)

XX/XX/2023 I spoke with someone named XXXX who was supposed to fix this.XXXX I just spoke with someone by the name of XXXX who was very rude so I had to ask for her supervisor manager name XXXXXXXX who I then reported this wrong error on my credit report. He said it was nothing he could do XXXX. Inform me that they navigate this credit report of XXXX. This is hurting my credit score by doing this. I understand if they don't want to give me a credit increase. But they have no reason or no right to report my credit score at XXXX if my credit score is XXXX.
Consumer complaint received 2024-05-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc. (NV)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Complaint Against [ AARGON AGENCY ] To Whom It May Concern, I am writing to file a formal complaint against [ AARGON AGENCY ] regarding their debt collection practices, which I believe are in clear violation of my rights as a consumer. Despite repeated attempts to address this matter directly with [ AARGON AGENCY ], they have failed to provide the necessary validation information and have proceeded to report the debt to consumer reporting agencies.

Specifically, [ AARGON AGENCY ] has not complied with the requirements outlined in 12 CFR 1006.34 ( b ) ( 5 ) by failing to provide validation information for the alleged debt. Despite this failure, they have proceeded to place the collection on my consumer report, denying me the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Furthermore, I assert that [ AARGON AGENCY ] has violated my consumer rights by employing false, misleading, and deceptive means in their debt collection efforts. Their actions are in direct contravention of the Fair Debt Collection Practices Act ( FDCPA ) and other relevant regulations governing debt collection practices.

It is imperative to note that [ AARGON AGENCY ] has no authority to furnish any account to consumer reporting agencies without providing the necessary disclosures as required by law. This blatant disregard for regulatory requirements is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

In light of the aforementioned violations, I am formally disputing all debts claimed by [ AARGON AGENCY ]. Additionally, I am exercising my right to cease and desist all communication from [ AARGON AGENCY ] via email, text messages, and phone calls. I request immediate debt validation and the provision of the purchase agreement between [ AARGON AGENCY ] and the original creditor ( XXXX XXXXXXXX ). Moreover, I demand proof of [ AARGON AGENCY ] 's licensing and bonding as a debt collection agency. 
I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take appropriate action to ensure compliance with consumer protection laws. Please do not hesitate to contact me if further information or documentation is required to support this complaint. 
Thank you for your attention to this matter, and I look forward to a prompt resolution. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I had identity theft and I reached out to this company and explained the situation and they asked me to send in documents I sent in everything that was requested plus more to show them this really is not my account. They responded by saying it is my account and Im responsible for paying in. I then requested their legal department info and they said they can not give it to me. These types of companies think they can do say whatever they want to us and its ok. Even though there violating my FCRA rights.
Consumer complaint received 2023-08-07
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. (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.

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 2024-05-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CHECKredi of Kentucky, LLC (MD)

On XX/XX/XXXX I was charged XXXX dollars in fees by check redi. And the money I owe for gas. I have not spoken to them at all and did not give them permission to charge my bank. I did not have enough money in my bank for those charges so my bank returned the payment. I dont know how they got access to my bank because I have not spoken to them and I did not give them permission to charge my account. I did not know they were trying to charge me XXXX dollars in fees until they charged my bank without permission the gas charges are {$6.00} and {$37.00}. And the two fees were XXXX dollars each. Theres no reason why the fee should cost more than what I owe for gas.
Consumer complaint received 2023-11-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

XX/XX/XXXX we send XXXX XXXX from XXXX XXXX to XXXX XXXX our money wasblocked by a correspondent bank JPMORGANCHASE BANK Iwrote to them in the mail XXXX XXXX, XXXXand again on XX/XX/XXXX, but there is still no answerfrom them, for what reasons our moneywas blocked andwhether they have it. 

Earlier we wrote you a request for information and we received a response to it. But today we have received an unblocking license from OFAC and we ask you to make a payment to our counterparty XXXX
Consumer complaint received 2024-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Herbert P. Sears Co., Inc. (CA)

Dear CFPB, I am writing to dispute a derogatory mark on my credit report that appears to be a case of mistaken identity or error. The account in question, listed under HP Sears with an original creditor as XXXX XXXX, is not mine. I have never had any dealings with XXXX XXXX. 

This derogatory mark first appeared on my credit report in XX/XX/XXXX for an amount of {$2300.00}. I contacted the debt collector for more information but have not received a response. Additionally, I reported potential fraud to another financial institution in XX/XX/XXXX, and I believe this could be a related issue. 

Please investigate this matter and remove the incorrect information from my credit report. I can provide any necessary documentation to support my claim. 

Thank you for your prompt attention to this issue.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Aargon Agency, Inc. (NV)

these companies are reporting fraudulent inaccurate information on my credit report i have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me. 

I also requested a XXXXXXXX XXXX  and purchase agreement nothing was provided. 

in accordance with the fair reporting act this creditor has violated my rights under 15 U.S.C 1681 SECTION 602 I STATES THAT I HAVE A RIGHT TO PRIVACY.

15 U.S.C 1681 604 ( A ) ( 2 ) STATES THAT REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc. (TX)

XXXX not liable with this XXXX with XXXX XXXX XXXX XXXX. I do not have a contract with XXXX XXXX and XXXX XXXX, They did not provide me with the original contract as i requested.
Consumer complaint received 2024-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Stark Collection Agency, Inc. (ID)

XXXX installed internet service and was supposed to install TV service as well. The TV service was NEVER installed even though I was billed for it and paid the bills for more than a year. Then I terminated the service and they ask me to return their equipment, which I did. They demanded the tv box which I never had. I repeatedly contacted them, spent a lot of time on the phone with them, and thought the issue was resolved. 

That equipment is of no use to anyone unless they are using XXXX, so why would I want it? 

They have repeatedly billed me, {$180.00}. and I WILL NOT PAY IT, It's bad enough that I paid for service that I never had for more than a year.
Consumer complaint received 2023-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Synovus Bank (GA)

On XX/XX/2023 I deposited a {$90000.00} check from a client into my business account at Synovus Bank. I was told there would be a 15 day hold until the funds would be available and reflect in my account ledger. I was provided with an availability date of XX/XX/2023. On XX/XX/2023 the funds reflected available in my mobile banking app. On XXXX  XX/XX/2023 I went into a XXXX branch location and requested to withdraw funds from my account. I was told by the teller that my account was under review and I had no access to my account for any transactions. I called the customer service line and was told that there was nothing they could do to assist me and that I had to wait on a letter to come to my mailing address for further instructions. They could not tell me when or who was sending the letter or why I did not have access to my funds. I requested a supervisor assist me but I was declined. I am currently now unable to operate my business fully. I have already missed out on a business deal from that day. I am unable to pay employees or fulfill my contracted obligations with vendors. I am extremely frustrated to say the least.
Consumer complaint received 2023-11-26
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. (AL)

n accordance with the Fair Credit Reporting Act the list of accounts below have violated my federal protector consumer rights to privacy and confidentiality under 15 U.S.C. 1681, Section 604A Section 2. I have not provided my written consent to either consumer, nor have I permitted XXXX, XXXX, or Experian permission to place the below items on their credit reporting platforms. The information is inconsistently reported throughout my credit report which I have highlighted the inaacuracies and want them DELETED off my credit report. Because of the inaccurate information I have been denied credit to purchase a home for me and my family, a car, new credit cards, and any such credit I choose. The Names listed below are inaccurate and addresses reported. 

My Complaint is with Experian, XXXX and XXXX XXXX XXXX XXXX reporting inaccurate information on my credit report. I have filed complaints with Idenity Theft.gov, I have filed complaints with the XXXX, Each credit Bureau and nothing resolved regarding the negative items reported, no names of the individuals who conducted investigations into items placed on my credit report without my written consent or signature.
Consumer complaint received 2024-04-17
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 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 2023-09-19
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. (PA)

I see this account XXXX  XXXX was claimed to be verified. Please provide all documentary evidence on the procedures used to verified this account. This account is being reported without permissible purpose. You have an obligation to protect my right to privacy and to follow reasonable procedures beyond just verifying information from the direct furnisher.
Consumer complaint received 2023-11-26
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: Experian Information Solutions Inc. (CA)

On Tuesday, XX/XX/23, I received an email from a credit monitoring service indicating that an inquiry had been detected on my credit report. Immediately thereafter I received a " Welcome '' email from XXXX XXXX. Suspecting fraud, I called XXXX, the company which issues XXXX XXXX, and it confirmed that a credit card had just been opened in my name. The identity thieves used my real, current email address, date of birth, social security number, my former mailing address and my former phone number in the fraudulent application which was submitted through a link on the XXXX XXXX XXXX XXXX. I requested that the account be closed and the unauthorized inquiry be removed, however, XXXX refuses to remove the inquiry from my credit report per a XX/XX/23 letter. The XXXX police report associated with this incident is XXXX.