davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (NY)

On XXXX/XXXX/XXXX I've contacted Eastern Standard Account via USPS mail tracking number being ( XXXX XXXX XXXX XXXX XXXX ) which was received XX/XX/2023 at XXXX ; XXXX XXXX. I'm requesting that they provide me notice of validation of debt pursuant to 12 CFR 1006.34a ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication ; which this company didn't do. Pursuant to 12 CFR 1006.34c ( 1 ) DEBT COLLECTOR COMMUNICATION DISCLOSURE.1. Statement required by 1006.18 ( e ). The statement required by 1006.18 ( e ) .Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. Section 1006.18 ( e ) ( 2 ) requires a debt collector to disclose in each subsequent communication that the communication is from a debt collector. A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( A ) complies with 1006.34 ( c ) ( 1 ) by providing on the validation notice the disclosure required by 1006.18 ( e ) ( 1 ). A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( B ) complies with 1006.34 ( c ) ( 1 ) by providing either the disclosure required by 1006.18 ( e ) ( 1 ) or the disclosure required by 1006.18 ( e ) ( 2 ). The following example illustrates the rule : i. ABC debt collector has an initial communication with the consumer by telephone. Within five days of that initial communication, ABC debt collector sends the consumer a validation notice using Model Form B1 in appendix B to this part. ABC debt collector has complied with 1006.34 ( c ) ( 1 ) even though Model Form B1 includes the disclosure described in 1006.18 ( e ) ( 1 ) rather than the disclosure described in 1006.18 ( e ) ( 2 ).
Consumer complaint received 2023-09-26
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. (OH)

Due to a update of my credit report to all three credit bureaus. I founded numerous inaccurate/unauthorized fraudulent accounts. 
That are in violation of FCRA. 
15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions of consent.

15 USC 1602 The terms : ( h ) " credit sale '', ( i ) " consumer '', ( j ) '' open end credit plan '' and " open end consumer credit plan '', ( p ) " unauthorized use ''  15 USC 1611- Criminal liability for willful and knowing violation ( 1 ) gives false or inaccurate information of fails to provide information which he is required to disclose under the provisions issued thereunder. 
Neither bureaus ( XXXX, Experian and XXXX wasn't willing to accept my proof by phone or mail. That's why I'm submitting a letter as exhibit A. and exhibit B. is a complaint to FTC in Identity Theft .... 

Thanks In Advance!!!!
Consumer complaint received 2024-02-11
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF NEW YORK MELLON CORPORATION, THE (NC)

We received a foreclosure claim from the Bank of New York Mellon that they have petitioned a claim of a debt owed to them by us. The petitioned claimed that the Bank of New York Mellon is the holder of the note to our property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX we then contacted the said bank by email ( see attached ) and they stated that they do not own the loan or the property. we them followed up for them to clarify by signing an affidavit and they have not responded to our urgent request. We have attached the affidavit to this complaint.
Consumer complaint received 2023-11-28
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. (CT)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023
Consumer complaint received 2024-04-02
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: Experian Information Solutions Inc. (CA)

I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I contacted XXXX XXXX XXXX regarding a late payment reporting on XX/XX/2020. They said they will update the inaccuracy and correct it paid on time for the month of XX/XX/2020. I have the letter attached as proof.
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc. (NY)

I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.
Consumer complaint received 2024-04-02
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: Experian Information Solutions Inc. (OH)

I am writing to dispute certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.
Consumer complaint received 2024-04-02
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. (IL)

I received notification back from the bankruptcy court that states they do not provide information to third parties and under the Privacy Act Law 1974 and Opt Out Law that any authorization that XXXX, Experian, XXXX believe you have you no longer and it needs to be removed in 4 days.
Consumer complaint received 2023-11-28
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. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-11
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have several miss payments with this company that does not have financial solution or payment arrangement where I could have worked something out. The missed payment lowered my credit score to the point I can not secure a home for my children and self. 
The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.
Consumer complaint received 2023-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2023 Wells Fargo contacted me regarding suspicious activity on my debit card/checking account, the representative I spoke to told me he was going to block my card from being able to be used and shortly after I checked my mobile banking app and saw a transaction for a withdrawal of {$1000.00} at an ATM in XXXX, CA. At the time of this I was at a car wash located in XXXX XXXX, Wells Fargo denied my claim although they were the ones who gave me the alert to being with. I have contacted Wells Fargo three times and it seems as if they do not care and do not want to help, I was a victim of fraud but they do not want to help
Consumer complaint received 2023-12-27
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. (MI)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
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: Experian Information Solutions Inc. (CA)

I settled and paid XXXX XXXX XXXX as agreed on XX/XX/XXXXXXXX XXXX  and brought my account to {$0.00} paid as agreed settled for less.Then they started to report it as a change off from XX/XX/XXXX to XX/XX/XXXXXXXX XXXX  This is NOT correct at all! The only reason they stopped reporting a current monthly charge off when I asked them for a paid as agreed letter in XX/XX/XXXXXXXX  But they wrote the date I requested the paid as agreed letter in XXXX. XXXX as the date the settlement was completed which is not true. I attached my statements from them showing I finished paying the settlement early on XX/XX/XXXXXXXX XXXX XXXX NOT XX/XX/XXXX and the schedule of payment due dates for there settlement agreement XXXX XXXX XXXX Because of this falsely reported as a current monthly charge off for nearly a year I have been unable to get housing or credit based on there months of misreporting. I'm sure I have legal grounds under the FCRA to file a lawsuit and potentially owed compensation for damages from the creditor and Experian because they never looked into it as they claimed they did THE 6 TIMES I DISPUTED but the Experian disputes department doesn't investigate it as claimed or look at the 11 months of statements showing I paid them during that tme but they said they looked into it 6 times!?!!! The first disputes agent I spoke with in XXXX said they would delete this from my credit report once they get the months of statements showing I paid iy off XX/XX/XXXX. As agreed I sent them the statements but they didn't do what the dispute department agent said they would do.
Consumer complaint received 2023-12-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CA)

I recently learned that I am a class member of the XXXX  class action lawsuit against Navient regarding predatory private student loan practices of which a settlement was reached. I also learned that Navient was supposed to notify me by mail that I am a class member and they haven't. 

On XXXX I received a call from XXXX to both my personal phone and my work, voicemail was left on both. The person who called me violated the Fair Debt Collection practices by stating " we are calling about options regarding your loan '' only. I returned the call on XXXX, it was an attempt to settle and collect the private student loan debt that fall under the class action lawsuit. They are continuing predatory practices and behaviors. I informed the person that I was aware of the lawsuit and failed to receive the notification regarding that matter.
Consumer complaint received 2023-04-06
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX {$11000.00} XX/XX/XXXX
Consumer complaint received 2022-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a XXXX XXXX of XXXX XXXX XX/XX/2022, Applied for Capital One Venture X credit card. But my application was denied. It says that Capital One made the decision on the basis of XXXX. I contact XXXX and they says that their data inputs were favorable. Next day, I applied for XXXX XXXX XXXX credit card and they accepted my application. It seems that Capital One is not very transparent in terms of application processing. Attaching denial letter from Capital One, Email with Experian and acceptance letter from XXXX XXXX.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-26
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio associates are harassing me in an attempt to collect a debt which they report on my credit report every month. The date that the account was open is incorrect and so is the amount. The company calls all types of times during the day and night. Its harassing and they make threatening remarks as well.
Consumer complaint received 2023-11-30
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. (NJ)

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX 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 2023-09-02
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 2024-04-22
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. (GA)

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 
The Consumer Reporting Agency states my account was properly investigated however how is that possible if the open date is inaccurate, the date past active is inaccurate, Says status is Closed but reporting late payments, Also says charged off on other accounts.

My rights were violated under 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. Section 2 States A Consumer Reporting Agency can not furnish an account without my written instructions. 

This is grounds for removal and I would appreciate it if this accounty : XXXX XXXX XXXX was deleted
Consumer complaint received 2023-12-07
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Remitly, Inc. (MO)

I contacted Remitly ( WR ) in XXXX, XXXX, XXXX and XX/XX/2023 about a fraud transaction involving an individual XXXX XXXX from XXXX that stole my {$500.00} taken out of my checking account on XX/XX/XXXX and XX/XX/XXXX that was intended for an business transaction. Each time I contact the organization, they rudely pretended that there are no transactions that matches the description and that they were going to follow-up with an investigation but did not. Today, I called and finally got an individual to admit that the transactions was in their system. It is my belief that they encourage this sort of actively evident by the refusal the follow-up with these fraud charges. I contact the organization prior to sending the money to ensure that this was legitimate and they verified it was. I also sent several emailed but again, I am unable to get a response. Please help.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Ive checked my consumer report and the personal information that is reporting is not accurate and is not authorized by me. I am requesting the inaccurate information to be removed from my consumer report immediately. 

Please remove the following names from my credit report. This is not my name nor have I authorized anyone to use this name. 



Please remove the following address on my consumer report, the addresses that are listed are incorrect and were not authorized by me. 



Please remove the following employers on my consumer report, this information does not apply to me.