davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-20
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. (CA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. 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 commissions identity theft affidavit. please delete these items as soon as possible.
Consumer complaint received 2023-02-20
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: 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. 
These Accounts below are reporting late payments and that is inaccurate and that also is a violation. Late payments are illegal 15 USC 1666B States Timing of payments. 
1.CXXXX XXXX Opened : XX/XX/XXXX Account # XXXX {$420.00} 2 Late Payments inaccurate please remove. illigel report. 
Violation 2. XXXX XXXX Opened : XX/XX/XXXX Account # XXXX {$8000.00} Please Remove these late payments there's 90 days late and that is inaccurate. illegal 15 USC 1666B States Timing of payments. 
Violation 3.XXXX XXXXXXXX XXXX Opened XX/XX/XXXX Account XXXX XXXX Please Remove these late payments there's 90 days late and that is inaccurate. illegal 15 USC 1666B States Timing of payments. 
Violation 15 U.S. Code 1605 - Determination of Charge 4. XXXX Opened XX/XX/XXXX Account # XXXX Unauthorized account/ I have no knowledge of this account. Please remove it from the credit report. 
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 an account without my written instructions. 
Violation 5. XXXX XXXX XXXX Opened XX/XX/XXXX Account # XXXX Please remove this immediately USC 1666B States Timing of payments. 
15 U.S. Code 1605 - Determination of Charge Violation 6.XXXX XXXX opened XX/XX/XXXX {$3800.00} Opened XX/XX/XXXX {$2000.00} Account # XXXX 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 an account without my written instructions. 
USC 1666B States Timing of payments. 
15 U.S. Code 1605 - Determination of Charge Violation 7XXXX XXXX XXXXXXXX XXXX Duplicate account ( Double jeopardy ) Account # XXXX Opened XX/XX/XXXX {$1700.00} 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 an account without my written instructions. 
USC 1666B States Timing of payments. 
15 U.S. Code 1605 - Determination of Charge Violation
Consumer complaint received 2016-03-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management Inc, is the debt collection company. They 're sending me letters about XXXX. I do n't know them or have a debt with them. But they 're reporting it to the credit reporting agencies. I need for them to stop. And the law limits should go into effect about that matter.
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023 I got email about my account needing verification, when i clicked the email it brought me to my bank of america app. In the process i learn that all my money was taken from my account from a hacker, that from the looks of it says in Branch withdrawals. Somebody has my information and has stole my money. {$170000.00} was taken from me. I have contacted bank of america but they have not issued the money back to me
Consumer complaint received 2023-02-21
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)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-31
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. (SC)

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. 


XXXX XXXX XXXX : # XXXX {$180.00} XXXX XXXX XXXX  : # XXXX {$65.00} XXXX XXXX XXXX  : # XXXX {$1100.00} XXXX XXXX XXXX  : # XXXX {$730.00} XXXX XXXX XXXX : # XXXX {$290.00} XXXX XXXX XXXX # XXXX {$1100.00} XXXX XXXX XXXX # XXXX {$110.00} 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 2023-02-01
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. (TX)

I just recently reviewed a copy of my credit report and noticed a couple of fraudulent accounts that I did not open or authorize. I am a victim of identity theft and need this incorrect information removed from my credit report. It is affecting the way I live and my children. Thank you.
Consumer complaint received 2017-04-02
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (PA)

Comenity Bank ( Bonton Credit Card ) has been calling both our house phone and my cell phone repeatedly, all day long, leaving no messages, and calling from a blocked number. I do n't usually answer unitentified numbers, but I could n't take it anymore! When I answered and followed the robo prompts to speak to a person, I was hung up on! I do owe a ballance that I intend to pay, but the calls will not stop! My husband works shift work and needs is being deprived of sleep.
Consumer complaint received 2023-02-20
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: Experian Information Solutions Inc. (NY)

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 Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account numberXXXX Account name XXXX XXXXXXXX XXXX XXXX  Account number:XXXX has violated my rights. Or 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.
Consumer complaint received 2023-02-21
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)

Consider this as a follow-up to my prior complaint on XX/XX/XXXX. There are items in my credit file that are erroneous and needed attention. please block or remove these items in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The addresses listed are not my home address, The account is inaccurate and fraudulent. Im seeking Litigation. The inquiries are unauthorized and fraudulent. Please delete the items at once.
Consumer complaint received 2023-03-07
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: EQUIFAX, INC. (CA)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days already included in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$1500.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX : {$250.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX : {$55.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX : {$55.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$90.00} XXXXXXXX XXXX Inquired on XX/XX/2022 XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX BANK XXXX Balance XXXX {$1500.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX  ( Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXXXXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX ( Original creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX Inquired on XX/XX/2022 XXXX
Consumer complaint received 2024-02-28
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. (TX)

On XX/XX/XXXX, my husband and I purchased an automobile at XXXX in XXXX XXXX. We authorized XXXXXXXX XXXX to pull credit. They mistakenly pulled the credit for XXXX XXXX twice through XXXX XXXX. My husband 's credit was locked and they were trying to pull a joint application inquiry, so it pulled my information and when my husband unlocked his credit report, they pulled my information again. I tried to correct this with XXXX and they said I would need to contact the credit bureau. The credit bureaus said I would need to file a complaint so they could remove it from my report. I did not authorize 2 credit pulls. Both were on the same day. I was recently turned down for credit due to this duplicated pull. 

On XX/XX/XXXX, I only authorized XXXX XXXX to pull credit. XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX and COAF were not authorized to pull my credit. The auto dealership, XXXX of XXXX XXXX somehow submitted the application, which was intended only for XXXX XXXX, to be sent to multiple credit companies. These companies did not have my known authorization to inquire about a loan. 

On XX/XX/XXXX, I visited a dealership to purchase a recreational vehicle. I authorized XXXX XXXX to pull credit. I did take a loan out through XXXX for the purchase. However, I never authorized the dealership to use multiple lenders. The dealership discussed the loan terms through XXXX prior to me authorizing the credit application with XXXX. An unauthorized credit pull was made by XXXX to and shows up through a XXXX Credit report twice during the day. I was told to contact the credit bureau to clear up the reporting matter. The credit bureau said I needed to file a complaint so they could document the matter and remove the duplicate inquiry from my report. 

These unauthorized credit inquiries recently caused a denial of credit through XXXX due to too many inquiries. My credit score is above XXXX and I have managed my credit for over 30 years with no derogatory issues. My debt to income is adequate for credit. These credit inquiries caused a financial loss of {$40.00} due to the promotional offer from XXXX that was declined for reasons stated above. XXXX was contacted and confirmed that the denial was a systemic decline due to the number of inquiries. Furthermore, the purchase that was to be made with the credit was for medical reasons and delayed the delivery of necessary accommodations for my father.
Consumer complaint received 2023-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have a loan with XXXX XXXX XXXX XXXX I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below is the account with erroneous information. XXXX XXXXXXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX  Balance {$24000.00} I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy.
Consumer complaint received 2023-02-21
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)

This is my 8th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-21
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-21
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. (TX)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: FC HoldCo LLC (TX)

I have a car financed through FLAGSHIP CREDIT ACCEPTANCE. I am being over charged for the vehicle. 23 %. I have made payments since XXXX of 2022 and it is not reflecting on my balance. My down payment doesnt reflect on the balance either. 
This company also refused to let me change my payment due date, because it cant be changed but every 6 months. I know when i can pay my bills and that is when i need my due date. I have changed my due date in XXXX because when the contract was done i requested to have my due date on the XXXX of the month and they said ok. they didnt set my date for the XXXX they set it for the XXXX. 
They are hiding fees and interest, I will never get the car paid off at this point. They are not willing to work with you on any issue you have, or willing to cooperate.
Consumer complaint received 2021-05-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

on XXXX i sent an Estoppel by silence letter to Fair Collection Outsourcing ( FCO ). to this day they failed to removed the alleged debt. I am seeking monetary damages for violations. Under 15 U.S code 1681b permissible purposes of consumer reports, I never gave FCO any written consent to report anything on my consumer report. No consent is identity theft. As a consumer by law this account must be deleted immediately. thanks!
Consumer complaint received 2021-05-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have been seriously affected by COVID, my husband passed away and the bank refuses to assist me with any of the government backed programs, like mortgage forbearance or something like that. I have called several times, went to the branch and all I get is the round around excuses. Help me please.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN, IM REACHING OUT BECAUSE MY CREDIT REPORTS SHOWS THAT I HAVE SOME INFOMATION THE IS AN ERROR AND I HAVE REACHED OUT THE BUREAUS AND INFORMED THEM BY MAIL AND I HAVE NOT BEEN NOTIFIED OF ANY UPDATES IN ALMOST 30 DAYS. I WANT TO MAKE A COMPLAINT.
Consumer complaint received 2021-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.
Consumer complaint received 2019-07-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

Venmo has kept my funds and refuses to release my funds. On XX/XX/19 they sent me an email indicating that my account is permanently deactivated with no explanation as to why and that they are withholding my funds of {$100.00}. I have contacted the company several times and am never given an explanation as to why my account is deactivated or why they are holding my funds.