davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-31
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Upgrade, Inc. (GA)

This letter is to formally demand that you immediately cease and desist all further communication with me regarding the alleged debt identified as account number XXXX. 
I am writing to you under my rights protected by the Fair Debt Collection Practices Act ( FDCPA ). 

I do not owe the debt to this company. I do not know this debt and believe it is not mine. I have never had an account with this company or related to this account number. Please provide me with verification of the alleged debt, the date of the account, and the amount owed. 

Furthermore, if this account is alleged to be related to the account that has BEEN SOLD, then you are admitting to a pooling and servicing agreement also known as securitization. I, XXXX XXXX, DID NOT DISCLOSE, NOR AGREE verbally, electronically, or through written consent with a wet ink signature, that I wanted this course of action with XXXX XXXX XXXX OR ANY RELATED THIRD PARTIES. XXXX XXXX XXXX contracted with an additional party without my consent, making me VOID to pay ANY ALLEGED DEBT. 

To add upon this, I wanted to provide VALIDATION OF THIS ALLEGED DEBT, with the production of this account and the general ledger statement!
Consumer complaint received 2023-09-14
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have tried to open accounts with different institutions and I have been denied. I have been told that I have to call XXXX about opening a account and when I call XXXX they say that I can open a account with any institution.
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION (FL)

Application # XXXX On XX/XX/XXXX, I was having issues getting my information to process on the website, but it eventually went through. I submitted an application for a pre-qualified amount of {$5000.00}. I called and inquired about this before I applied. I was told as long as the information was the same on my report from the pre-qualify soft pull, when the hard pull is performed that I would most likely be approved. I was denied and I was told by a representative over the phone that it was because of my current credit utilization. I was also told that I had a late payment in the last two years but the reason for the denial was the utilization. Most of my cards had a low or no balance. I feel that the pre-qualification tool was misleading because I know that it uses XXXX and that is the same bureau that was used for the hard inquiry. Nothing on my profile was different or had changed. I later checked again and the pre-qualification offer was still there. In the past, there had been times when I had no offers, so I believed this one to be accurate. I believe the application date was XX/XX/XXXX. I received notices in my online messaging, but am unable to open them. I receive a " technical difficulties '' message. I am still awaiting the decision in writing. 

On a separate occasion, on XX/XX/year>, I received an offer asking me to apply for the XXXX XXXX card. It was supposed to be a soft inquiry. I proceeded to check for an offer. The website said pre-qualify with no impact to your credit. After submitting some information, I was prompted to log into apply since I am a member and I proceeded to do so. I submitted the pre-qualification application and I was charged an inquiry on my XXXX report. I do not know the having to sign in redirected me to a different page, but there was no notice on the page that I was going through a different application process or that be subject to a hard inquiry. If so, I would have proceeded because at the time, I was not confident in applying which is why I chose to check for the pre-qualification. 

When I learned of the inquiry, I contact customer support. I spoke to a representative by the name of XXXX. He advised me that this was an error and he would be submitted. request to the credit department to have the inquiry reviewed and removed. I only noticed it had not been removed when the incident above occurred andI checked my report again. I mentioned it to the agent I spoke with recently about my most recent application and she advised me that she did see the call and gave XXXXXXXX XXXX name.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-23
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: EQUIFAX, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2023-09-01
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
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: EQUIFAX, INC. (NY)

I am writing to address some inconsistencies that I have identified in my personal credit report. These inaccuracies are having a significant impact on my financial standing, particularly in relation to my ability to own a home. While I understand that errors can occur, I have researched the dispute process and am aware of the required investigation time-frame of thirty days. The other bureaus have already removed these accounts from their records, following the submission of my FTC report citing the identification of an error. I am puzzled as to how these accounts were verified by your bureau while other bureaus have successfully removed them. Therefore, I request the immediate deletion of these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX
Consumer complaint received 2023-11-01
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. (TX)

There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$0.00} XXXX XXXX Collection {$0.00} XXXX  XXXX Collection {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX Repossessions {$3900.00}
Consumer complaint received 2024-03-31
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. (SC)

My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and their investigation did not fix the problem on my report.
Consumer complaint received 2023-09-01
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$450.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$12000.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$420.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (KS)

XXXX XXXX never verified the debt they had on my name and was it actually me. They never produced the requested info in a timely manner and the debt is considered to be void as they were in dishonor. 
XXXX XXXX shared private consumer info with a 3rd party debt collector without prior written or verbal consent per USC 15 sec 6802. That information includes false and misleading statements USC 15 sec 1692e.

They supplied Name, Address, account numbers and financial information all are {$1000.00} fines. 
Radius Global Solutions LLc has used all that information without confirming it and without my consent. They have no contract with XXXX XXXX giving them my consent and they have no consent from the consumer.
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)

Dear I am writing to dispute the credit collection account that has been listed on my credit report. After thoroughly reviewing my credit report, I have found that the account in question does not belong to me. I have never entered into any agreement with Creditors, nor have I ever received any services or goods from them. This account is not mine and I am not responsible for the debt. I kindly request that you immediately remove this account from my credit report and cease all collection activities. I would appreciate it if you could provide written confirmation that this account has been removed and marked as " not mine ''. Thank you for your prompt attention to this matter.
Consumer complaint received 2023-09-01
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. (TX)

The unauthorized inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be authenticated ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-01
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. (TX)

The unauthorized inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be authenticated ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-23
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. (TX)

In accordance with the Fair Credit Reporting Act these accounts below has violated my rights. 

Account Name : XXXX XXXX XXXX, XXXX Account Number Ending : XXXX Account Name : XXXX XXXX XXXX, XXXX Account Number Ending : XXXX Account Name : XXXX XXXX XXXX Account Number Ending : XXXX Account Name : Dept of Ed/XXXX Account Number Ending : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number Ending : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number Ending : XXXX Account Name : XXXX XXXX Account Number Ending : XXXX Account Name : XXXXXXXX XXXX Account Number Ending : XXXX Account Name : XXXX XXXX XXXX Account Number Ending : XXXX Account Name : XXXX XXXX XXXX Account Number Ending : XXXX Account Name : XXXX XXXX  Account Number Ending : XXXX Account Name : Dept of EdXXXX XXXX Account Number Ending : XXXX Account Name : Dept of EdXXXX XXXX Account Number Ending XXXX XXXX Account Name : XXXX XXXX XXXX  Account Number Ending : XXXX Account Name : Dept of EdXXXX Account Number Ending : XXXX Account Name XXXX Dept of EdXXXX  Account Number Ending : XXXX Account Name : Dept of Ed/XXXX  Account Number Ending : XXXX Account Name : Dept of Ed/XXXX Account Number Ending : XXXX Account Name : Dept of Ed/XXXX Account Number Ending : XXXX Account Name : Dept of Ed/XXXX Account Number Ending : XXXX Account Name : Dept of Ed/XXXX Account Number Ending : XXXX Account Name : Dept of EdXXXX Account Number Ending : XXXX Account Name : Dept of Ed/XXXXt Account Number Ending : XXXX Account Name : XXXX Account Number Ending : XXXX Account Name : XXXX XXXX Account Number Ending : XXXX Account Name : XXXX XXXXXXXX Account Number Ending XXXX XXXX Account Name : XXXX Bank Account Number Ending : XXXX 15 USC 1681 Section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2, also states a consumer report agency can not furnish an account without my written instructions.
Consumer complaint received 2024-01-31
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (WA)

XXXX XXXX XXXX did not apply the XXXX & XXXX overpayment as per their policy. The payment was $ XXXX which made an overpayment of {$180.00} for XXXX & XXXX That $ XXXX should have been apply to the oldest promotional program. In ERROR it was applied to the brand new program that was just started. I filed a dispute the beginning of XXXX. I was told it should be corrected to match the company policy. I called XX/XX/XXXX because payment was not pull from my account on XX/XX/XXXX. I was told it was because I filed a dispute. The representative redisputed the XXXX & XXXX payment with details that the first dispute did not have. Again I was told it should be corrected. I called XXXX XXXX day before the program closed to see that it got corrected and the older program paid off in full with all payments being made. I was assured by the company representative that it would all be cleared and corrected and NO Interest would be charged to the account. As of XXXX nothing has been corrected and they are telling me it will not be corrected. I feel deceived, manipulated and lied to by XXXX XXXX XXXX. 

Resolution as follows ; Make the the proper payment adjustment to the XXXX & XXXX. Moving each months overpayment the $ XXXX to the proper oldest program. This would create the account being paid in full before the expiration date and Interest charges. Remove the interest charges in XXXX of {$1500.00} and XXXX of {$46.00}. 
Please help resolve this issue for a fair resolution.
Consumer complaint received 2023-05-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Thank you for your previous help in trying to get a loan modification from Bank of America since we were recently denied in the past. Upon sending the loan modification paperwork to Bank of America, we were sent the same application to complete again and again. We need your help in ensuring that the Bank of America paperwork game do not continue. I am attaching the documents so the Bank of America representative can resubmit the paperwork to the loan modification team. 

Also, we recently tried to get Home Owner 's Insurance at a cheaper rate and the insurance company stated that I did not have a mortgage account with Bank of America and they could not send proof to the insurance company. Thanks. 

XXXX XXXX
Consumer complaint received 2022-06-06
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: EQUIFAX, INC. (IL)

I have no idea what it is and why its on your report and I want proof of who they are not some random bill that can be from anywhere due to fraud, I never received anything from the company or who they are and For resolution remove this fraudulent company off my credit report.