davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
Product: Credit reporting 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 am writing to urgently request the immediate removal of fraudulent items from my credit report. These fraudulent entries are negatively impacting my credit score and financial standing. 

I have discovered the following fraudulent items on my credit report : I did not authorize or engage in any of the activities listed above. These fraudulent items are causing significant distress and damage to my financial reputation. 

I request the following actions be taken : Immediate Removal of Fraudulent Items : Conduct an urgent investigation into the fraudulent items listed on my credit report and remove them promptly. 

Enhanced Security Measures : Implement additional security measures to prevent further unauthorized access to my credit information and protect against future instances of fraud. 

Communication Enhancement : Improve communication channels to keep me informed about the progress of the investigation and the steps being taken to address the fraudulent items. 

Please acknowledge receipt of this letter and provide an update on the steps being taken to address these fraudulent items. I am asking for your assisstance to remove these fraud items in my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK (GA)

On XX/XX/2021 I deposited a check issued from tax products group and a XXXX business day hold was placed on it. Fair enough. On XX/XX/2021, the check cleared and was available in my discover account finally. Attempted to wire transfer to my XXXX XXXX account XXXX dollars because I owed that much in bills so I was aiming to use that bit for bills. When attempting, I received an email from discover stating there was a freeze on my account and to contact them immediately. I called and they stated that due to a business decision they were closing my account. I asked them about my funds and they said they would not release any funds until a 90 day investigation which is insane. I even stated to them that they violated their on deposit agreement. Nothing in the deposit agreement stated holding funds from a closed account what so ever. So I called and called and finally got a hold of somebody who said the only thing that I could have done was to get in touch with the check issuer and ask them to recall the funds. Well the day after I spoke with discover I called the tax groups number and they said being that the check had been cleared and the deposit was successful that discover took the money already ( not to mention XXXX of the funds were sent to my XXXX XXXX  the day AFTER account closure. I read over and over the deposit agreement and it simply stated that funds would be released to the account holder at the time of closing. I filed a complaint with their executive ioffice and got no aswer. This isnt right I didnt do anything but attempt to do things that my account was allowed to do which is initiate a wire transfer. Ive talked to them about a transfer of my funds to my XXXX XXXX but said no. Ive tried and tried and seems like they dont plan on being fair with me. I struggle on a day to day basis with everything I owe and other things like say care with I work XXXX hours a week just to put food in the table.
Consumer complaint received 2021-11-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Adjustment Service, Inc. (FL)

I sent a debt validation letter to the company merchants adjustments service on XX/XX/2021, and sent another letter on XX/XX/2021 for failure to respond and failure to validate they then finally respond by violating my HIPPA RIGHTS!!!! By sending me amounts owed and also what I had done on those specific dates!!!!
Consumer complaint received 2022-05-20
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX Account # : XXXX, XXXX  XXXX Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX XXXX  Account # : XXXX, XXXX Account # : XXXX, XXXX XXXX XXXX  Account # : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX  ( Original Creditor 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 a account without my written instructions
Consumer complaint received 2019-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affiliated Management Services (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX XX/XX/XXXX AFFILIATED MANAGEMEN Reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AFFILIATED MANAGEMEN Reported : XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-05-20
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX XXXX  Account # : XXXX, XXXX XXXX  Account # : XXXX, XXXX/XXXX Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX  ( Original Creditor : 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 a account without my written instructions
Consumer complaint received 2021-11-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (FL)

By means of background, I am a nurse and have been working extraordinarily hard during the COVID epidemic, I am also a single mother with XXXX young children and support both my brother who has XXXX XXXX and my mother who is elderly and in a XXXX home. Earlier this year I received a letter from Rocket Mortgage saying there was an issue with my mortgage. I call the mortgage company right away and was advised by a very helpful agent that the Rocket was working with customers during Covid especially those in the front line. I also called my insurance agent who advised me that they didnt see any issue with my coverage. Based upon the assurances from Rocket I assumed that they would be paying the insurance from my escrow as normal. Unfortunately, the legacy insurance policy was not renewed and it appears that Rocket purchased unbelievably expensive insurance that only covered them and that the policy is retroactive. One I became aware of this I called Rocket again and now I am being told that there is nothing they can or will do for me. I have faithfully made my mortgage payments every month but can no longer afford the spike in payments to cover the forced place coverage. I have a new policy on the property which Rocket is aware of. Rockets assurances seem like hollow and empty promises, I candidly feel betrayed after working so tirelessly to serve my community. Please help me.
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Second Round Limited Partnership, Austin, TX Branch (CA)

Well known how idiotic and clumsy XXXX  is!!! Now these derelicts are fraudulently reporting garbage that is criminally negligent and malignant!!! I have NO new accounts anywhere!! Nobody has the authority to self-create there own sloppy collections at my expense!!! ALL this negative garbage already in my credit reports. This is tortuous XXXX  trying to scam my credit report with duplicated garbage!!! PLUS, XXXX  criminal incompetence has not cleaned up there blundering XXXX. I don't care how many generic collections agencies anyone hires to harass me. They are not allowed to fraudulently sefl-create a new XXXX  account duplicates what is already existing. I told you people twice now, these clowns at XXXX and now defunct XXXX  have malignantly created a new phony collections ( same ) debt already reported 3 years ago. These vile derelicts at XXXX XXXX have NOT contacted me, instead lied cheated and manipulated an old debt. Imbeciles at these mis-managed credit bureaus
Consumer complaint received 2022-05-20
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. (MI)

Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inaccurate information and inquiries that are reported on my Credit Reports : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America sent me a card with a {$20000.00} limit. It appears it was issued by Merrill Lynch wealth management ( where I have an IRA ). I never applied for the credit card, I called Bank of America on XX/XX/2021 and was told an application was submitted for the card on XX/XX/2021. I certainly did not apply for this. I ask for the information related to the card opening and attempted to dispute the card. I was put on hold and no one got back on the phone after 45 minutes.
Consumer complaint received 2022-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

After reviewing my credit reports I noticed that you are alleging that the following accounts are Collections without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove these negative and adverse remarks. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$72.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$400.00}
Consumer complaint received 2021-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Grain Technology, Inc. (PA)

A couple months ago the account popped up on my credit report. I disputed it and it was removed. Then recently I noticed the same company was back but on another credit bureau. 
XX/XX/XXXX, I disputed the account on my credit a second time. 
They didnt remove it this time. 

I never heard of this company, and I would like for this to be resolved.
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 — Reporting company used your report improperly
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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / Department of education XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 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: Experian Information Solutions Inc. (NJ)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX ACCOUNT XXXX WAS REMOVED BUT PLACED BACK ON CREDIT REPORTS UNDER NEW ACCOUNT NUMBER XXXX NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 


Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


Sincerely, XXXX XXXX
Consumer complaint received 2021-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (FL)

Credit Karma did not send me a email letting me know that they locked my account. I had decline transactions which was weird because I have money in the account. I called they said its locked because they need to verify me. They requested my bank statement from my other bank account and ID. I provided the details they needed to verify me on XX/XX/2021. Its now XX/XX/2021 and XXXX still getting the run the run around about my money that I worked hard for. Then they told me when my check come it will reverse back to my job. But my check was deposited and doesnt show in my available balance my money prior to my check deposit suppose to {$810.00} and with the check that said it was deposited in the XXXX in to the account amount is {$790.00} all together the total amount should be {$1600.00} and it doesnt sh that. Then I kept asking how long because I have bills to pay and theres has yet to be resolution. They said once I sent in documents it will be resolved and it has yet been resolved.
Consumer complaint received 2018-09-21
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: Experian Information Solutions Inc. (IL)

On XXXX XXXX, I wrote to Experian, XXXX  , & XXXX  informing them that the accounts listed on my credit report is inaccurate and incorrected. I showed proof of all the inaccurate information reporting on my file. I started with account # XXXX in the amount of {$370.00} being reported on my file. University Of XXXX account # XXXX I informed them of NO CONTRACT. Account # XXXX IN THE AMOUNT OF {$860.00} NO CONTRACT, XXXX ACCOUNT # XXXX Inaccurate information. And on XX/XX/2018 XXXX  & XXXX  Informed me that the items were verified. Which is through a the XXXX  system. I got nothing in writing stating who XXXX  & XXXX   spoke with from these companies am disputing this information from nor is they licensed in my state to collect on this alleged debt they say I owe them. Experian never responded to my letter from XX/XX/2018. So on XX/XX/2018 I wrote to XXXX XXXX/Account # XXXX asking the to validate the {$370.00} they say owed them with evidence bearing my signature, showing that I have or ever had some contractual obligation to pay them They sent me a itemized bill in return. I have not received any evidence bearing my signature from this company. But they are still reporting this inaccurate information on my credit file. I wrote to XXXX/Account # XXXX on XX/XX/2018 asking to validate the account with evidence bearing my signature. I received a letter stating XXXX is collecting on a alleged debt from XXXX XXXX XXXX. They showed no proof of any evidence bearing my signature with neither party. I would for this misleading inaccurate information be deleted off my credit file as soon as possible.
Consumer complaint received 2022-05-20
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: CLGF Holdco 1, LLC (NJ)

In accordance with fair credit reporting act XXXXXXXX account XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Feb destiny, has violated my rights. 

15 USC 1681 section 602 state I have the right to privacy 15 USC 1681 section 604 A section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose