davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I spoke with the Clerk of Court at US Bankruptcy Court in XXXX, NC. They verified that they do not report data to the Credit Bureaus. 

However, previous disputes have shown responses from the bureaus as saying the information was " verified ''. 

I ask that the credit bureaus : Please respond to me in writing and include the method of verification under FCRA 611 ( a ) ( 7 ). This should include the following : 1. The name of the courthouse with which you verified the information.

2. The name of the person at the courthouse who handled your request.

3. The address of the courthouse 4. Which document did you obtain to verify bankruptcy?
Consumer complaint received 2023-10-04
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. (MI)

XXXX XXXX XXXX XXXX XXXX, MI XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Account Number : XXXX To Whom It May Concern Midland Credit Management you are furnishing inaccurate and incorrect information to the consumer reporting agencies. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation my general mode of living and my ability to obtain credit for personal and household purposes. 

You and your inaccurate reporting have damaged my livelihood. 

15 US Code 1681s-2- Responsibilities of Furnishers of Information to consumer Reporting agencies. 

( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact PROHIBITION : a law or regulation forbidding something.

15 USC 1681 s-2 Says you Midland Credit Management are a furnisher of Information to a consumer reporting agency.

You are PROHIBITED BY LAW Furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately.

15 USC 1681 S-2 ( a ) ( 1 ) ( A ) 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.

You are hereby put on Notice that you are furnishing incorrect inaccurate information.

15 U.S. Code 1681s-2- ( a ) Duty OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information.

The continued reporting of this information is a clear violation of the Law 15 USC 1681s-2 of your grave responsibilities as a furnisher of information.

You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to cure and DELETE this erroneous, inaccurate account from my consumer report. You, Midland Credit Management did not gain my written permission to report any information on me to consumer reporting agencies, persons or entities. 



You have XXXX Calendar Days to Delete this Account from my Consumer Reports! 


Sincerely, XXXX XXXX
Consumer complaint received 2024-04-05
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: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my XXXX data.
Consumer complaint received 2022-12-08
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. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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.

Please delete immediately
Consumer complaint received 2018-05-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/2018 I logged onto my capital one 360 money market and checking account and noticed that it said my funds were not available for me to withdraw. I called capital one this same.day and was told to submit a driver 's license photo, verify my identity through a list of questions ( which I did ) and after all that I was told that my account was being investigated because of two XXXX payments that failed to process on my account. I was told that because of this I would no longer be able to have a relationship with capital one bank, but they were still not giving me access to the over {$5700.00} I have in my money market and checking accounts. If capital one is going to close my accounts, why is there an investigation going On? It makes no sense. And then when I asked when my funds would be available for me to transfer the said they had no idea and it could take weeks sometimes months. Banks have guidelines and know exactly how long they are able to withhold money from people. They are being very shady and I need access to my money. Every time I call they give me an attitude and treat me like a an idiot. They are taking advantage of me and still have no answers for me. They put my account under investigation for an outside XXXX payment that didn't go through and are now keeping MY money from me indefinitely even though I was told my account would be closed. THIS MAKES NO SENSE
Consumer complaint received 2018-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (GA)

I leased a property from XXXXXXXX XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX. I provided 30 day notice that I intended to vacate the property. I vacated the property on XX/XX/XXXX as agreed to by the management company. I competed a final walk through with the managements representative XXXX XXXX. I arranged for utilities to be disconnected and returned the keys. The property owner and the management company disagreed on who was able to give permission for the family room & dining room to be painted ( management said it was fine, owner didn't like the color ). XXXX XXXX and I agreed that my security deposit would be retained to have the rooms repainted. At no time were rent aarrears or a trash fee discussed. I paid as agreed each month. I was never late, I was never served with an eviction notice, no judgement was ever filled, I was never served with a notice of an outstanding balance. I have written numerous letters to the management company, credit reporting agencies, and the collection company that this debt is not accurate. I have requested all records pertaining to this property including payments, notices, maintenance request and no documents have been produced. In one response Professional Debt Mediation stated " Accordingly, we discontinued using any means or device to collect this delinquent account ''. Yet, they still falsely report this inaccurate information. This derogatory account has prevented me from obtaining employment, credit cards, car loans, and I have been advised I am unable to secure a new rental property. Please, help me get this removed. Thank you.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MN)

Hi, This account has been open since XXXX. The account was closed in XXXX. Collection activity was started, and XXXX bought this account as a charged off debt. This account was not closed and reported to the credit br in XXXX. It was opened in XXXX with a debt of XXXX which doesn't even match the 1, XXXX they are reporting. This accounts last activity was in XXXX. This account is more than 9 years old. The last purchase date was on XX/XX/XXXX. I just pulled off all of this information from XXXXXXXX XXXX portal with the order history, and description of items purchased. It needs to be removed from my account. The charge off and the XXXX XXXX XXXX  reporting. Please see the submitted documents. The account needs tin be removed.
Consumer complaint received 2023-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Hello, my name is XXXX XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : CAPITAL ONE XXXX XX/XX/2021 {$870.00}
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

I went to a supermarket on Saturday XX/XX/XXXX. XXXX XXXX I swiped my card twice and inputted my pin. My bank declined it twice. I called my bank and when I called my mobile app showed I was charged although both transactions were declined. I was not allow to leave the supermarket with my groceries. I submitted a dispute and CITI Bank refused to give me my money back. I submitted another dispute on XX/XX/XXXX, sent a receipt showing the amount and that I was never charged. Furthermore the Supermarket sent me an email explaining that the charge never went through. They sent me the error messages their bank received. Citi bank has refused to work with me, they have refused to speak to me. Managers continue to hang up the phone. The supermarket never received my payment but Citi bank too my money. Furthermore the day in question Citi bank admitted that they were having technical issues and continue to refuse to give me my money back.
Consumer complaint received 2024-04-05
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. (NJ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my XXXX through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (OK)

I understand that as per FCRA 605B, it's essential to remove any erroneous accounts from my credit report. Could you please review the documents? I've noticed that XXXX of the listed accounts seem to be inaccurate, and this is worrying me.
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On Monday, XX/XX/2023, a Wells Fargo agent called me to inform me of suspicious activities in my account. He explained that he needed to verify certain transactions, and we went through each of the ten transactions individually. During this review, we identified three unauthorized withdrawalstwo of {$500.00} each and one of {$200.00}, all from non-Wells Fargo ATMs. The total amount of these unauthorized transactions was {$1400.00}. The agent asked me to confirm if my debit card was in my possession, but upon checking, I realized that I had misplaced it. When I informed him of this, he asked if I had allowed anyone else to use my debit card, to which I replied in the negative. 

As a precaution, the agent decided to deactivate my card and arrange for a replacement. During our conversation, I mentioned that I had recently sold my XXXX and had forgotten to factory reset it, potentially leaving personal information on the device. The agent filed a claim regarding this issue and assured me that I would receive my new card within 5 to 7 days. Additionally, he mentioned that they would provide an update on the claim status within 10 days. 

However, on Friday, XX/XX/XXXX, after about 10 days had passed, I had not received any updates on the status of my claim. Consequently, I decided to call Wells Fargo to inquire about the situation. To my surprise, they informed me that my claim had been denied, as they believed the unauthorized transactions were either made by me or someone I had given permission to. I vehemently explained that I had not authorized these transactions and reiterated the circumstances : the sale of my phone and the loss of my debit card. Unfortunately, they maintained their stance, stating that there was nothing further they could do to assist me.
Consumer complaint received 2018-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

I was sued by XXXX XXXX XXXX XXXX. on behalf of XXXX XXXX XXXX for a credit debt I do not owe. I received a judgment against XXXX XXXX XXXX from the XXXX District Court. XXXX XXXX XXXX is still reporting the incorrect information on my credit report. I disputed the incorrect information with the credit report, but it was not removed.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

They broke consumer laws incorrect information and irrelevant information old phone number old addresses that has no relevances to me currently XXXX XXXX XXXX XXXX MI XXXX is my only and current address and collections accounts Ive never done business with them and they couldnt produce my original contract with my hand written signature I wanted all and everything account thats not relevant or accurate to be removed immediately
Consumer complaint received 2023-10-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (PA)

fraudulent account made by identity theft. A man name XXXX XXXX who I worked with acquired my social security number by looking at my old tax returns while I wasn't present. He started a XXXX phone service account in my name which later went to collections. XXXX is aware and still has not removed the account. they sold my personal information to a third party which they shouldn't have had in the first place. This account should not be furnished on my consumer report as they are in violation!!!! Under

15 U.S. Code 1681B- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to
subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN COSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT! As a consumer I am demanding the deletion of the accounts listed above IMMEDIATELY!
Consumer complaint received 2022-12-05
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. (FL)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (OR)

I was denied a XXXX  XXXX  checking account due to a a consumer reporting agency reporting something negative to XXXX  XXXX. Check systems is reporting false information on my credit report. They are in direct violation of the Fcra and my consumer rights have been violated. 15 USC 1681
Consumer complaint received 2023-10-04
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. (VA)

On XX/XX/2023 I acquired a credit report because I was interested in getting a loan. I found a large some of unauthorized accounts, inaccurate personal information, and unauthorized inquiries on my report with XXXX transunion and XXXX. These accounts should not be furnished on my consumer report as they are in violation!!!! Under 15 U.S.

Code 1681B- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN COSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT! As a consumer I am demanding the deletion of the accounts listed above IMMEDIATELY!
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Payfare International Inc. (WA)

Unfortunately, I recently lost my XXXX XXXX debit card. While attempting to secure my account in light of this, I inadvertently locked myself out. 
The situation has been further complicated due to the fact that part of the account verification process requires the entry of the last four digits and the expiration date of my now lost card. This has rendered me entirely unable to access my account and its associated funds. 
I understand the need for stringent security measures ; however, there must be an alternative way to validate my identity and regain access to my account without the lost card details.
Consumer complaint received 2022-11-26
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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; GA 'S OWN XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$310.00} ; XXXX XXXX XXXX : {$3200.00}.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SinglePoint GI (VA)

I was contacted by General Revenue Corporation about a collection for a student loan from XXXX XXXX XXXXXXXX XXXX. However Im not a student there and nor did i live in the XXXX XXXX area during that time. 

The school confirmed that the individual used my social and DOB to request support for a student loan.