davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-07
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. (MO)

XXXX has violated my Fair Credit Reporting Rights by not honoring my certified mail request on XXXX XXXX XXXX  request to remove inaccuracies from my credit report. I reported inaccurate information related to my personal information and remove old addresses that do not belong to me. I have a FCRA right to have accurate credit reporting from each credit reporting agency and all reporting agencies should be reporting the same information. 

I have one name : XXXX XXXX I have one address : XXXX XXXX XXXX XXXX, XXXX, MO XXXX. 

I sent a copy of my state issued drivers license and a copy of my social security number as verification. However, my records were not updated. There are still 23 addresses that do not belong to me. Please remove all addresses except for the address listed on my ID. 

Also, the following items are disputed and I am requesting verification of the steps taken to validate the following debts : Who you spoke to? Where did you go to validate the debt? Provide a copy of the original debt with my wet ink signature signed with the actual reporting agency? A detailed accounting showing how the account made their determination from the day the account was established? Documentation to show these transactions were indeed made by me not a transferred security? Please provide original documents not verification from E-Oscar with is a violation of my FCRA rights. I am also a victim of identity theft and have a right to remove inaccurate accounts. 

XXXX is liable under the SEC to follow federal rules according to the FTC and SEC. If this is not corrected, I as a consumer will filing Form 211 Treasury OMB Forms to audit a consumers account. XXXX is securitizing my data but is refusing to provide me with accurate reporting and full disclosure related to my consumer file. 

The following accounts are disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have no co applicant. Im not married. 

Please update my info to the one address on my ID. 

All addresses
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

Ive made several attempts to correct incorrect address on credit report but cant get this rectified Under 15 U.S. Code 1679c Name is spelled incorrectly several times on personal information Several addresses not associated with myself
Consumer complaint received 2023-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (TX)

Excessive overdraft fees. Transition days are always finalized on same day when money is coming next day to finalize overdraft charge. If not overdraft charge is convenient, bank takes DAYS to finalize transactions. If bank sees it convenient to charge one before the day before payday, they immediately finalize payment same day. 

Why do they allow merchants to charge if there is no money in the bank? Dont allow the merchants to charge! Theres no money! Ive spoken numerous times with bank. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I declare under penalty of perjury ( under the law of the united states.if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally. These misstatements are punishable as perjury under 18 U.S.U 1621. This found within my credit are not related to any transaction that I made I am alleging that a person or company-without my authorization -used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts.All is being investigated by the FTC
Consumer complaint received 2023-07-08
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: EQUIFAX, INC. (OH)

I am reporting negligence in reporting and investigations of disputes for all 3 bureaus. 
I have written XXXX, Equifax, and XXXX on XX/XX/2XXXX XXXX XXXX XXXX in regards to verifying information that is being reported for public records and accounts included in this record. These accounts and public records have yet to be even placed in dispute status. 

Instead of receiving updates of disputing and reporting errors, I continuously received a mass amount of accusations of credit repair letters. This is unacceptable. This negligence is ground for deletions of these items. 

After XX/XX/2023, XXXX finally launched 1 investigation out of 3 times requested, and verified information as correct and verified. I do not agree with such results as XXXX is in lawsuits for not verifying accounts and accurately conducting investigations. No information was provided as far as method of verification and information on who verified this information to the credit bureaus. 

I demand that this inaccurate information be deleted from my credit report. I have been more than generous with reporting times and investigation periods. 

The screenshots of accounts below are inaccurately reporting inconsistencies across bureaus. Under Section 623 ( a ) of the FCRA, this act prohibits a person from furnishing inaccurate information to a credit reporting agency. EVERY SINGLE ACCOUNT showing has inconsistencies on their last date of activity. This is a very clear inconsistency that has yet to be verified.

These bureaus have blatantly ignored my request. This inaccurate information is hurting my credit. It is well beyond the 30 day investigation period allowed, and I have been ignored.

These accounts and public record should be deleted as soon as possible. Please mail me an updated report showing these changes.
Consumer complaint received 2023-07-12
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. (LA)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
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: ENCORE CAPITAL GROUP INC. (FL)

I reach out to the company to remove the inaccurate accounts or show proof of debt validity. The company listed have failed to do so, this company is a third party agency trying to collect on a debt. But, I do not owe or have a contract with Midland Credit Management. I am not liable for this debt with XXXX XXXX XXXX XXXX. This is a violation to my consumer rights under the FCRA 15 U.S. Code 1681a ( d ) 1, 15 U.S. Code 1681c-2 ,15 U.S. Code 1681i ( 5 ) ( a ), 15 U.S.Code 1692j & 15 U.S. Code 1682s-2.
Consumer complaint received 2024-10-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (IN)

Comenity Bank They have repeatedly called me multiple times a day while XXXX at work and in the evening. Yesterday XX/XX/year> they called me 5 times from a registered number and 3 times from a private number. I dont ever receive private calls so its too much of a coincidence to think its somebody else, at no other times do I get private calls. Literally back and forth every hour or so. Saturday XX/XX/year>, they called me 4 times and 3 times from private numbers. Its the same pattern, them, private, them, private I missed a payment, I dont deny that. They charged me a late fee and life moves on. Ill make the payment next month or later this month. I have repeatedly told them to not call me and they say they will keep calling me until the bill is paid. Recently I closed the account because I did not agree with the increase in interest rates. That may be the result of economic factors but its no way to reward good customers. This is not the first time they have done this but Im not inclined to go back in my call logs to check unless you require the info to help establish a pattern of behavior. At this point I am considering other legal recourse for the harassment but Im starting with this. Thanks for your time.
Consumer complaint received 2023-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

I believe someone cashed a fraudulent check on my account. I no longer have access to ANYTHING of mine in the account. I got a email saying something about fund available and thats the last Ive gotten about anything. Thank XXXX my account is a backup XXXX account instead of my main checking but I dont see why I cant access my account? I dont even know the issue ( to add to this I believe the fraud may have been done by my roommate who moved out, right after he left now I am having this issue )
Consumer complaint received 2023-09-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA (FL)

I made a transfer of {$20000.00} from my linked XXXX Bank on XX/XX/2023, Immediately the money left my XXXX the next day XXXX Bank restricted my account without any valid reason and the money became available after 2 days in my Milli but I wasn't given access to it. I tried to contact their customer representative through email and 'in-chat ' messaging but all I could get is an automated response that they will get back to me in 1-2 Business day. I tried online to search for a representative phone number but XXXX does not have a phone number to call. Every time I sent a message i get response that I will be contacted in XXXX-2 Business day that they are investigative source of fund, till now no one has responded to me and its over a week now.
Consumer complaint received 2023-09-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (VA)

I recently obtained a copy of my credit report from XXXX and was alarmed to discover a fraudulent collection item on my report. The collection is associated with an XXXX XXXX XXXX cell phone account, which I have never owned or had any affiliation with. 

Upon reviewing the details, it is clear that this entry is a result of identity theft or an error, as I have never been an XXXX XXXX XXXX  customer. I am writing to formally request the immediate removal of this fraudulent collection from my credit report. 

I understand the importance of maintaining accurate credit information, and I kindly request your prompt attention to this matter. Please investigate and rectify this issue as soon as possible to prevent any further damage to my credit score. 

Thank you for your assistance in resolving this situation.
Consumer complaint received 2020-12-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

EXPERIAN IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING EXPERIAN ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2024-10-17
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, has violated my rights.
Consumer complaint received 2024-10-17
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. (MA)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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: ENCORE CAPITAL GROUP INC. (FL)

I reach out to the company to remove the inaccurate accounts or show proof of debt validity. The company listed have failed to do so, this company is a third party agency trying to collect on a debt. But, I do not owe or have a contract with Midland Credit Management. This is a violation to my consumer rights under the FCRA 15 U.S. Code 1681a ( d ) 1, 15 U.S. Code 1681c-2 ,15 U.S. Code 1681i ( 5 ) ( a ), 15 U.S.Code 1692j & 15 U.S. Code 1682s-2.
Consumer complaint received 2023-05-09
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)

Despite multiple written requests, the unverified inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2018-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (HI)

The original creditor is from XXXX XXXX XXXX opened XX/XX/2017. They are attempting to collect {$110.00}. I have no knowledge of this account because I did not use this cable company during that time ( I had a XXXX XXXX ) I didnt even know about the debt until I looked at my credit report. I received no calls nor letters. I asked if I paid it ( even though its not mine ) would they delete it off my report and they declined. I do not appreciate this company tarnishing my credit and would like this to be removed as soon as possible. Thanks in advance
Consumer complaint received 2023-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE (NY)

I was staying at the. XXXX XXXX XXXX in XXXX, ME at room XXXX. I was told to leave. right away. I later found out that there was a fire at the hotel. I left many items in the room. And I there were other items that I ordered which I had to leave due to the fire I am now being charged for these items. I explain this to XXXX and XXXX who I ordered it from. And they told me I would not be charged. I also explain this to AAdvantage So told me they would not charge me, yet they are charging me. I had a conversation on the phone with XXXX who threatened to lower my credit score, which I. do not believe is illegal. I also had a conversation on the phone with someone named XXXX who I explained the situation to and I told him that in this situation. they are supposed to have an investigation and remove and remove the charge until the investigation is done. Yet I see these charges as valid. It's not pending, which is not what they are supposed to do. I'm going to I will list the total charges below which I'm being charged for. 

My card number at the time was. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate this and get back to me when you can. I appreciate your assistance in this matter. 
XXXX XXXX
Consumer complaint received 2024-03-12
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. (MO)

New Information/ Complaint : Subject : Formal Credit Dispute Letter Dear Sir/Madam , I trust this correspondence finds you in good health. My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX, reachable at XXXX or XXXX. On this date, XX/XX/2024, I present to you a formal Credit Dispute Letter under the provisions of the Fair Credit Reporting Act, Section 611 ( 15 U.S.C. 1681I ).

I exercise my lawful right to contest dubious information unearthed in my personal credit report, invoking specific sections of the aforementioned Act : 1. **15 U.S.C. 1681c-2 : Block of information resulting from identity theft** I implore you to implement the necessary measures stipulated under 15 U.S.C. 1681c-2 to obstruct information stemming from identity theft.

2. **15 U.S.C. 1681a : Late payments under exclusions** I assert that late payments, as reported, contravene the illegality specified in 15 U.S.C. 1681a ( 2 ) ( 1 ) under exclusions. An earnest examination of this matter is urged.

3. **15 U.S.C. 1681b : Permissible purposes of consumer reports** Pursuant to this law, the implicated creditor lacks authorization to report on my credit. I insist on a comprehensive verification of the creditor 's permissible purpose and the accuracy of my complete file information, including the provision of a copy of my ID.

**Incorrect Account Information : ** The subsequent accounts are reporting inaccurately : - *XXXX XXXX- # XXXX - Reason : Identity Theft Fraud/Not mine - **XXXX XXXX- # XXXX - Reason : Identity Theft Fraud/Not mine I beseech a thorough investigation into these discrepancies and a prompt resolution of the matter. Your cooperation in rectifying these anomalies is earnestly appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-17
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. (NY)

I am writing to formally demand the immediate removal of an inaccurate and illegitimate account that continues to be reported on my credit file, despite numerous previous disputes. The account in question is still being reported by your bureaus, even though XXXX has already recognized its inaccuracy and does not report it. The fact that XXXX no longer lists this account is clear and valid proof that this account is inaccurate.
Consumer complaint received 2024-10-17
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : Unknown Account Number XXXX and 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.