davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-07
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. (CA)

XXXX XXXX XXXX XXXXXXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXX  You ae in Direct Violation of The Fair Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions. 
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.
Consumer complaint received 2023-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advance America, Cash Advance Centers, Inc. (OH)

Recently, I reviewed my credit report and noticed inconsistencies regarding wrong name variations, addresses, social security numbers, phone numbers, and erroneous accounts. The credit bureaus continue to state that they have verified the debt. However, I have discovered on my report that an account XXXX XXXX XXXX XXXX is not mine and I have no knowledge of this account. This is a fraudulent account, and my personal information was used in a company 's data breach on XX/XX/2023.
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

I am writing to lodge a formal complaint against American Express in relation to a matter concerning my account, initiated approximately between XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Specifically, I requested a XXXX XXXX of said account and subsequently received a communication containing a list of transactions associated with the account. Regrettably, despite statutory mandates outlined within the Fair Debt Collection Practices Act ( 15 USC 1601 - 1693 ), I did not receive the complete array of disclosures, service agreements, and signed instruments pertinent to the purported debt, nor was a signed copy of the promissory note provided. 

I have diligently pursued resolution of this matter through direct communication with representatives of American Express, including engagements with their collection department at XXXX XXXX XXXX. However, notwithstanding these efforts, I have been informed that the promissory note remains unattainable. It is imperative to note that pursuant to pertinent legal statutes, particularly the XXXX of XXXX XXXX and Negotiable Instrument Act, the conversion of the promissory note into a negotiable instrument would signify satisfaction of the alleged obligation. 

Furthermore, a review of my credit report reveals that the purported debt has been charged off. In light of this, I am compelled to inquire as to the absence of any documentation, specifically a copy of the XXXX form, indicating the discharge of indebtedness filed with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The actions, or lack thereof, undertaken by American Express have resulted in considerable uncertainty and distress. It is my firm belief that such conduct may contravene provisions established within various consumer protection statutes, warranting regulatory scrutiny and intervention. 

In light of the foregoing, I respectfully request that the Consumer Financial Protection Bureau undertake a thorough investigation into the practices of American Express with regard to this matter. Additionally, I seek redress commensurate with any identified breaches of consumer protection statutes, as well as clarification and resolution of the outstanding issues surrounding my account. 
Thanks,
Consumer complaint received 2024-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NY)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IA)

I have tried to inform them three times of several accounts with wrong information and one account is a double account of the same thing when I only had one account with the creditor
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To Transunion Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX  XXXX Account Number : XXXX Please remove it from my credit report 4. Under 15 U.S.C. 1681i ( XXXX ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX Please remove it from my credit report. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

The following accounts are fraudulent and do not belong to me. I demand immediate removal. 

1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately.

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt is the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original document and wet signature If you can't provide these items Delete them.

I have attached a copy of my FTC REPORT for all 3 bureaus.
Consumer complaint received 2023-09-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc. (AL)

I am adding a small parcel of land behind my existing property. I am NOT borrowing any additional money. I just need a signature on the plat for the city acknowledging that the mortgage holder is aware that I have added the land. Mr. Cooper/Nationstar Mortgage has thrown road block after road block up and will not sign. They have asked for an appraisal of my property without the land, an appraisal of the property with the land, value of the land, a title search, a hazardous material study, a survey with old property description and new property description, letter of intent from the borrower ( I am not borrowing money ) and a copy of the purchase agreement. All of this to add land to my existing property with which the mortgage company will hold as additional collateral. To top it off the current owner is essentially giving me the land at the cost of a survey and closing costs. They don't have access to the land and I have need maintaining it for years. They are being so nice and I can not act because Mr Cooper/Nationstar won't sign.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Bread Financial Holdings, Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states i have right to privacy 15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit Management repeatedly calls me. Has for more than a year. I have no outstanding debt verified by recent credit report. I have a credit score around XXXX. They constantly change the number they are calling as so blocking them does no good. This company is a nuisance.
Consumer complaint received 2023-09-11
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (NV)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-10-18
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. (NY)

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-10-18
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. (NJ)

I am writing to formally demand the immediate removal of two inaccurate and invalid negative items from my credit file that are unjustly harming my credit standing. I have thoroughly reviewed my credit reports and found serious discrepancies in the way these accounts are being reported across credit bureaus, specifically between your agencies and XXXX.
Consumer complaint received 2023-09-11
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. (GA)

I received my credit report on XX/XX/XXXX and noticed there were hard inquiries that didnt have a permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureau about this multiple times they keep violating my rights under 15 USC 1681b. I also have attached the hard inquiries that dont have any purpose to be on my credit 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 XXXXXXXX
Consumer complaint received 2024-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NV)

On XX/XX/XXXX, I noticed a transaction on my bank account that I did not make. I called the bank ( TD Bank ) to dispute the charges and they opened an investigation. On XX/XX/XXXX, I received a letter from the bank stating that the " The transaction 'appeared ' to be authorized because you ( meaning me ) verified the transaction. No one from either the bank or the merchant ( XXXX XXXX ) contacted me regarding this matter, so how could I have verified it. I was informed they were going to reverse the provisional refund and charge additional fees. I then reached out to XXXX to find out what information they had that I had verified this transaction. I was informed I would have to reach out to their corporate office, however they could not provide me with a telephone number or email address. I then asked if they could provide me with whatever information they had regarding the matter and they emailed a copy of the itinerary and confirmation number for a flight from XXXX, XXXX  to XXXX, XXXX  for me and someone I do not know ( XXXX XXXX ). I relocated from XXXX to XXXX  in XXXX of XXXX and have not taken any flights or made reservations for any flights since that time. I have not left the State of XXXX. The information used to book this flight had my name and other information, but the wrong address. I tried to explain that to my bank and they only said they would file another investigation, but would still reverse the refund which has caused an overdraft in my account and I'm being charged overdraft fees of {$35.00} for every transaction. Even though I informed my bank in XXXX when I relocated of my new address, they didn't check to see that the information used to book this flight was incorrect. NO ONE CONTACTED ME ABOUT ANYTHING. I am so frustrated. I can not pay my bills because my account is now overdrawn. I reached out to indentitytheft.gov and filed a complaint. The reference number is XXXX. I have done all the due diligence I can at this point without the benefit of any information from either my bank or ability to contact XXXXXXXX XXXX corporate office to reach some resolution,. Thank you for any assistance you can provide.
Consumer complaint received 2022-12-08
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. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 ; XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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 2021-07-24
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. (GA)

My information was compromised and I reported the following errors on my credit report to XXXX  for review. 

I did not submit an application or initiate a inquiry and I am requesting that the inquiry be removed. 

XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX/XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I previously requested to have the items removed. I was advised the items would be removed and they have not been. 

Please remove the following inquires as I did not inmate an inquiry.