davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
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. (CA)

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 USA 1681. The accounts below have violated mi rights. 15 u.s.e 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 tem of information, other than records of convictions of crimes which antedates the report by more than seven ycars. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furish 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 inaceurate. 
Delete the inquiries below : XXXX 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 XXXX XXXX
Consumer complaint received 2023-01-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (NY)

Midland Credit ManagementXXXX XXXX date of dispute XXXX Discharged by XXXX ( creditor ) XX/XX/16. 
I am getting at least 3 calls a day, 6 days a week. They have been using several different phone numbers when calling. This is harassment.
Consumer complaint received 2022-11-29
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. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXX XXXX XXXX  GA XXXX XX/XX/2022
Consumer complaint received 2022-11-29
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: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting Act, accounts : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the right of 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.
Consumer complaint received 2024-06-26
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Concord Servicing Corporation (CA)

I'm in the process of getting my ex-wife removed from the timeshare deed that I'm also trying to get canceled. Now I'm in collections and it's thrown a wrench in everything. I asked for them to validate the debt which they've failed to do. Blackwell needs to return the debt and move onto someone else. I've just changed jobs after being laid off and I need this off my plate. I intend on working this out with XXXX which I was in the middle of before Blackwell got involved.
Consumer complaint received 2023-02-06
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: Synovus Bank (NV)

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, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 FILE NUMBER. XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 2022-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting Act, accounts : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the right of 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.
Consumer complaint received 2024-03-04
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. (TX)

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (OH)

In XXXX of XXXX, Mohela purchased my student loans from XXXX. Mohela updated the information on XXXX and XXXX Credit Bureaus, but not XXXX. As a result, it incorrectly shows that I owe both XXXX and Mohela for student loans. However, the XXXX balance should be {$0.00}. I have contacted XXXX, Mohela, and XXXX. Each organization is blaming the other. XXXX, despite me submitting evidence that the account balance is {$0.00}, says that it's up to XXXX to update the correct balance. XXXX blames Mohela for not reporting that it paid the account off. Mohela says that XXXX is responsible for updating the account balance. Mohela and XXXX both agree that the account balance is {$0.00}, but refuse to report it correctly to XXXX.
Consumer complaint received 2023-06-10
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. (TX)

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 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation. At present, I have no intention of initiating legal proceedings against your agency ; however, I would appreciate it if you could rectify the error that appears in my consumer report. If this erroneous information persists, I will be compelled to resolve the situation independently. Credit bureaus are required by law to report only 100 percent accurate credit information. It is imperative that every effort be made to ensure that the information being reported is entirely precise and true. Therefore, the following information requires further investigation.
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One Agent advised me that my accounts were closed on XXXX XXXX due to the terms and conditions and nonpayment. Capital One Agent also stated that they could still charge my account for interest fees due to credit card agreement. I requested for a copy of the truth in lending disclose and a the arbitration clause from the Agent of Capital one, Agent of Capital One stated that its no way to send me them upon my request the only thing they could send me was a credit card agreement. Capital One have several accounts in my name and are restricting access to my accounts. Also an auto loan request Not made by me. I will attach the notices from capital one. Capital One have also furnished false and misleading information to the credit reporting agencies. Capital One have charged me security deposit to open an account with them that was later paid to them, because of my lack of awareness at the time. Capital One Agents have caused damages to my mental health, causing stress by not being able to provide for my family, and my credit worthiness by reporting inaccurate information on my consumer report.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, 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. (IN)

i have recently got my credit report and notice some inquires that i do not recall, and there are errors in multiple accounts, i would like these inquires removed asap, i have certified mailed all the documents and my credit reports to XXXX equifax and XXXX,
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (IL)

I applied for a rent payment credit card through Bilt during the first week of XX/XX/2023. It is a card company that seems independent, but is actually completely supported by Wells Fargo, including customer support and payment portal.

During this month of opening the card, I already had to call its customer service line to resolve some issues that I have never encountered through other credit card companies.

1 ) Two days after opening my bilt account, my account was attacked by fraud, and I wasn't notified at all. I only found out when I was scrolling through recent payment. I had to contact Wells Fargo to get a new card.

2 ) Seems like Bilt uses a different payment system than Wells Fargo. I submitted payments ( twice ) through Bilt app, after I successfully linked my bank account on the app. Both transactions failed to go through, so I had to call again. The wells fargo agent told me that they didn't see a bank account linked on their portal. This is why I suspect that Bilt uses a completely different system than Wells Fargo, because their information is not at all connected, which causes a huge hassle for consumers like me. 

3 ) After I had to submit my payment through Wells Fargo ( which went through ), I found out that my account is closed, without any warnings or emails or notifications. And no opportunities to dispute. I tried to explain what was going on, but the agent kept repeating the same sentences that they can do nothing about this, while I clearly have done nothing wrong.

No idea how this closure of my account will impact my credit score, but below are some points that I want to summarize regarding to Bilt : - Constant typos on their website and app - They don't have their own customer line - everything is supported and referred to Wells fargo, which is super confusing - Disconnection between Bilt 's database and Wells Fargo database, which is risky- They have a lot of positive reviews on XXXX app store. I suspect that many of them were fake.
Consumer complaint received 2022-11-16
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. (AL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent itemsin my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$160.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$120.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$330.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX {$15000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$300.00} XXXX XXXX XXXX XXXX {$7000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX # XXXX {$1900.00}. XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  # XXXX. {$890.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  # XXXX {$430.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX XXXX  XXXX # XXXX {$360.00}. XX/XX/XXXX XXXX  XXXX # XXXX. {$94.00}. XX/XX/XXXX XXXX  XXXX # XXXX {$140.00}. XX/XX/XXXX XXXX XXXXXXXX # XXXX {$260.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$480.00}. XX/XX/XXXX XXXX  XXXX # XXXX {$59.00}. XX/XX/XXXX XXXX  XXXX # XXXX. {$450.00}. XX/XX/XXXX XXXX XXXX XXXX # XXXX. {$30000.00}. XX/XX/XXXX XXXX XXXX XXXX # XXXX. {$4200.00}. XX/XX/XXXX THE FOLLOWING ACCOUNTS ARE REPORTING INACCURATE TO MY CREDIT REPORT
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

I am writing to dispute a late payment on my credit report that is inaccurate. The account in question has been paid in full and closed of XXXX of 2019. Yet the late payment is still reflecting on my credit report through your agency as a result that DEP OF ED/XXXX has stop reporting late payment to the credit bureaus. 

The student loan agency responsible for reporting this information stopped reporting it as XXXX 2019, as the account was paid in full. Therefore, there is no reason for the late paymentto still be reflected on my credit report. 


Furthermore, Experian, XXXX, and XXXX, is showing multiple accounts for the same late payment, which is impacting my ability to move forward with purchasing a home. I am in the process of trying to buy a home, but this erroneous information on my credit report is hindering my progress. 


I kindly request your assistance in resolving this issue and having the late payments removed from my credit report as soon as possible.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX, IL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( 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.
Consumer complaint received 2024-03-04
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. (TX)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section XXXX. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA XXXX XXXX, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, 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. (PA)

I never gave any of these people or buisness to run 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 MORTGAGE CO
Consumer complaint received 2022-11-28
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: BARCLAYS BANK DELAWARE (LA)

I have a late payment for a credit card from BARCLAYS BANK, DELAWARE XXXX XXXX XXXX XXXX, DE XXXX that was opened in 2021 under my name, I never opened a credit card with this account and have idea how this happened, XXXX XXXX XXXX XXXX  and can not go home for the holidays now because I wanted cant apply for an airline credit program that would have been able to help with my ticket because these charges dropped my credit score so significantly. This bank has multiple reviews online saying its into shady business and currently has one star on XXXX,
Consumer complaint received 2023-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Reported XXXX XXXX as XXXX, account as of XX/XX/23. Dispute was submitted and resolved with the results : the account has been removed from all three bureaus. XXXX could not verify a correct social security number nor an accuate phone number stating someone called them from a number trying to verify my information. XXXX XXXX XXXX now has bought a Fraudulent debt and trying to seek payment. I have filed a identity theft report with the FTC as well as this complaint with the CFPB.