davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-24
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. (VA)

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

15 U.S.C 1681 Section 604 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : State a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2022-06-05
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)

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

-Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  ; US Sm Bus Admin ODA XXXX have violated my rights.

15 U.S.C. 1681 Section 602 A states that I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-05
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX, Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX, Account # XXXX, has violated my rights. 
-Bankruptcy XXXX  XXXX, XXXX XXXX XXXX, has violated my rights. 
-Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX  , have violated my rights.

15 U.S.C. 1681 Section 602 A states that I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (WV)

I received a letter from XXXX due to a change of address which was mailed to an address i do not know nor ever resided at, which stated an debt was owed for service, multiple cell phones and a watch. I went to store in which i was told by a manager the account was opened at an store in the area that was being investigated for fraud and the account has multiple names listed on it. After this i started being contacted by Receivables Performance a collection agency telling me i owe the amount of {$2200.00}. The collection agency has been contacting me at my cell phone number that i have had since mid 2019, that service was started with XXXX then changed to boost moble and been with every since. I was told by Receivable Performance the account could not be a fraudulent account because someone had previously paid on it. However they would not provide who, where, or how it was paid. Ultimately i did not open this account, nor gave anyone permission to do so. address associated with the account i never resided at
Consumer complaint received 2022-06-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HYUNDAI CAPITAL AMERICA (TN)

The Company XXXX XXXX XXXX whose address is XXXX XXXX XXXX XXXX XXXX, TN XXXX deposited a 1099-C for the amount of {$40000.00}. They assigned interest in the contract to KIA MOTORS FINANCE. On my credit report the company XXXX XXXX XXXX whose address XXXX XXXX XXXX XXXX XXXX, CA XXXX has been collecting already discharged debt. I need my account updated to reflect that all payments have been paid as agreed.
Consumer complaint received 2023-10-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Overton, Russell, Doerr and Donovan, LLP (VT)

I just received this collection of debt on XX/XX/23. Although, I did go to the XXXX XXXX  ( XXXX XXXX XXXX ) during those dates ( XX/XX/23 ) I never received any carethey only drew XXXX  from me and XXXX  were performed. I was never omitted into the XXXX XXXX. I waited in a waiting room for an hour and then gave up and instead went to a different hospital where I received care immediately and have paid them. 

I had a very XXXXXXXX XXXXy and could have had a XXXX at any moment. This could have resulted in my XXXX. The bill from that hospital ( SVMC ), where I received care for several hours, is almost the same as this bill! How does that make any sense? 

I was hammered with a {$950.00} XXXX XXXX XXXX from XXXX XXXX. for just walking in the door and sitting in a waiting room. I have no issues paying the labs ( although, I was never given the results ). 

The collections agency that sent me the bill is : XXXX XXXX XXXX, located in XXXX XXXX, NY XXXX. 

I never received the original bills from XXXX XXXX because they used an old address for me. I still followed up through their billing portal, updated my address and noticed there was no amount due. At that point, I thought the matter was settled since I never saw a Doctor.
Consumer complaint received 2022-06-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: OCEANSIDE MORTGAGE COMPANY (RI)

In addition to my complaint I'd # XXXX, which Oceanside mortgage has not answered, I was informed by a loan specialist a XXXX XXXX  that Oceanside had told the credit department that my monthly payments are always late. This is not true!

Ever since I set up a loss mitigation agreement, all my statements have been on time and generally paid on the due date ( 1st of the month. This bank has made numerous mistakes on my account, but stonewalled me with conflicting information. I am trying to refinance with a different company, but Oceanside is holding me back because they distribute the wrong info. Please help me settle this mess. At the rate Oceanside increases my monthly payment, I will not be able to afford my house any longer.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX Upon reviewing my credit report. I noticed 2 separate XXXX XXXX XXXX fraudulently using my name. 


XXXX balance : {$1700.00} XXXX balance : {$3000.00} Both accounts opened : XX/XX/XXXX When trying to access the account, the user name email is unrecognizable and not mine. 

The fraudulent account email is a XXXX XXXX XXXX 

My Only email is associated with XXXX. 


I have submitted a filed complaint to the Federal student aid.gov website & Experian credit Bureau XXXX # XXXX I am currently waiting for inquiry and response.
Consumer complaint received 2022-06-05
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. (UT)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, and # 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 instruction.
Consumer complaint received 2022-06-05
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. (UT)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, and # 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 instruction.
Consumer complaint received 2023-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Mercury Technologies, Inc. (CA)

Online account breached. Debit card used on the following transactions. I notified the bank within 48 hours. They are unwilling to help reverse the transactions and get my money back. They said " After review, we will not be able to proceed with chargebacks for these transactions and encourage you to work with the merchants for any refunds available. '' I know this is not the result you're looking for, but if there's anything else we can assist with please feel free to reach out. 

Best, XXXX - Disputes Specialist Here are the transactions : XXXX {$95.00} Checking XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$100.00} Checking XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$290.00} Checking XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-05
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)

15 u.s.c 1681 section 602 A. States I have right to privacy 15 u.s.c 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-05
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. (FL)

15 u.s.c 1681 section 602 A. States I have right to privacy 15 u.s.c 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

consumer XXXX XXXX XXXX XXXX have had my federally protected consumer rights violated pursuant to 15 usc 1692 multiple times. XXXX XXXX, XXXX mailed me a letter trying to collect on an alleged debt that shows XXXX XXXX XXXX as the original creditor. Notice it is a fact, pursuant to 15 U.S.Code 1692 a ( 4 ) creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor. This letter contained violations of 15 usc 1692 f ( 8 ), there can be no symbols on the outside or inside the mails in the attempt of collection of any debts, 15 usc 1692 e ( 2 ) ( a ) How can XXXX XXXXXXXX XXXX allege I the consumer owes a debt, but the debt is shown in the positive balance? If the balance was owed in a bank account, it would be shown in the negative. This amount is shown positively. How can a person pay on a positive amount? This amount appears as if it were owed to me ; numerous violations of 15 usc 1692 e ( 10 ), ; violation of 15 usc 1692 b ( 2 ), any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, violations of 15 usc 1692 d ( 1 ) and violations of 15 usc 1692 d ( 2 ).
Consumer complaint received 2022-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX XXXX, 2022 Bank of America obtained a copy of my XXXX credit report with a hard pull. 

There is an extended XXXX years fraud alert on my credit report. The extended fraud alert on my credit report includes a phone number for potential creditors to contact me to verify the legitimacy of credit requests. 

Bank of America did not call me regarding its inquiry into my credit report. Bank of America did not reach out by mail to verify that I had either made any request for credit of any type or provided authorization to access my credit file. 

I do not currently, nor did I at the time of this incident, have any type of credit, banking, or loan account with Bank of America. 

Not only did Bank of America have no clear cause or reason to access my credit file without my permission, but it failed to act appropriately, reasonably, or responsibly when it dishonored the extended fraud alert on my credit report by making no effort to verify that I had authorized its hard pull.
Consumer complaint received 2019-06-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (PA)

I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed.

n addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately. Per Federal Guidelines in 603B letter when ever there is fraud on your credit report is shall be removed with in 4 business day.

Please send a letter stating that these issue has been resolved to : XXXX XXXX
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

Community bank, so the account to XXXX  and it was dismissed in court as of XX/XX/2020. The XXXX case was dismissed for fraudulent activity ( 2 ) bill of sales. And now Comenity Bank is reporting to the bureaus. I have emailed and even wrote twice to have this incorrect report on my credit report to be removed and yet, I have got no response. I have written Community Bank as well as all three creditor bureaus at which I also included and sent the court document each time and yet its still being reported on my credit report. 
Community Bank have an arbitration agreement and they went and sold the account without letting me know or consenting with me and thats a violation. And since 2020 that it has been dismissed in court they are now committee bank that is reporting it like I said once again to the credit bureaus, Id like this removed off my credit report. Thank You.
Consumer complaint received 2022-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I, XXXX XXXX, federally protected Consumer, have ordered my written instructions Cease and Desist pursuant to 15 U.S. Code 1692c ( c ). 

XXXXXXXX XXXX I demand you to remove all Negative Information according to federal law definition any form of default which is stated in my Cease and Desist. 

My Consumer Report shall be reporting 100 % positive and 100 % on time payments. 

If XXXX XXXX dishonor my Cease And Desist you shall be fined and imprisoned for not more than 20 Years or both pursuant to 18 USC 894 ( a ) ( 1 ) ( 2 ) as you are causing substantial harm to me and ruining my financial reputation for non repayment which validates you are extorting me by furnishing negative information and this is how XXXX XXXX shall be fined and imprisoned for 20 Years under title 18 U.S. Code 894 - Collection of extensions of credit by extortionate means.
Consumer complaint received 2023-03-15
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. (MD)

XXXX original debtor XXXX has received a check and cashed agreeing that the debt has been paid in full and will remove the debt from the credit report if cashed. The check was cashed on XX/XX/2023 and I received a call on XX/XX/2023 advising me they have a balance left and they do not have anything to do with the updating of my credit report. 

Please have this debt removed as a negative remark on my credit report as the debt has been paid in full and the agreement must be honored. 

Attached is the cashed check with the agreement of being cashed debt will be PIF and removed from my credit report
Consumer complaint received 2022-06-05
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, XXXX XXXX XXXX Account # 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 an account without my written instructions
Consumer complaint received 2024-02-19
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. (FL)

Department Of Revenue : Account Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of this debt. I previously sent a written request for validation, including a request for a wet signature, which was received by your office on [ date of your original request ]. However, to date, I have not received the requested validation. 

Furthermore, I believe that your failure to provide the requested validation constitutes a violation of the FCRA. The FCRA requires that consumer reporting agencies, such as Experian, follow reasonable procedures to ensure the accuracy of the information they report. By failing to provide validation of the debt, Experian is not meeting this requirement. 

Please be advised that I am requesting the following information as part of the debt validation process : Verification of the debt, including the original creditor, account number, and date of the debt. 
Proof of your authority to collect this debt. 
A complete payment history, including the original balance, any interest or fees added, and all payments made. 
A copy of the original signed contract or agreement related to this debt. 
I request that you provide this information to me within 30 days of receipt of this letter. If you are unable to provide the requested information, I request that you remove the disputed item from my credit report in accordance with the FCRA. 

This has hindered my ability to live a normal life.
Consumer complaint received 2022-06-05
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, XXXX XXXX XXXX Account # 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 an account without my written instructions
Consumer complaint received 2022-06-05
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. (AL)

In accordance with the Fair Credit Reporting act XXXX the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX Account number XXXX {$650.00} XXXX XXXX XXXX XXXX Account number XXXX {$970.00} XXXX XXXX XXXXXXXX Account number XXXX {$440.00} XXXX XXXX XXXX {$230.00} 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 a account without my written instructions
Consumer complaint received 2022-06-05
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. (AL)

In accordance with the Fair Credit Reporting act XXXX the following accounts have violated my rights. 

XXXX XXXX XXXXXXXX XXXX Account number XXXX {$650.00} XXXX XXXX XXXX XXXX Account number XXXX {$970.00} XXXX XXXX XXXX Account number XXXX {$440.00} XXXX XXXX XXXX {$230.00} 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 a account without my written instructions
Consumer complaint received 2022-06-05
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. (LA)

in accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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. 

At the time the account was established in XXXX and XXXX I was only XXXX XXXX XXXX and didn't have any knowledge on how to open a bank account. My identity was stolen at the time and this issue needs to be resolved.