davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-08
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)

FCRA Violation : auto loan not mine XXXX XXXX Reported : XXXX XXXX, 2022 {$1600.00} Needs Attention FCRA Violation : Collection not mine XXXX XXXX XXXX XXXX FCRA Violation : address not mine XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-01-31
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2023-07-20
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: EQUIFAX, INC. (CA)

I am writing to report an incident of identity theft that I recently discovered. I believe my personal information has been compromised and used fraudulently without my consent. I am seeking your assistance and guidance in addressing this matter.
Consumer complaint received 2016-04-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Coast to Coast Financial Solutions, Inc. (AE)

This is a case concerning XXXX XXXX. First, the debt is XXXX, as my account is closed. I still retain online access to my account, and I have a XXXX balance. However, the company reported me to a collection agency, which in turn reported to a credit bureau, thus damaging my credit.
Consumer complaint received 2022-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I received a Bank Account Monitoring Alert from my monitoring company, XXXX XXXX, indicating that Bank of America had identified me as part of a new account opening on XX/XX/2022. This was absolutely not true. 

I began the process with XXXX XXXX to indicate that I was not aware of the specific activity. After several calls with XXXX XXXX and with Bank of America via XXXX I confirmed that my identity had not been used. I subsequently advised XXXX XXXX that all was well. 

On or about XX/XX/2022 I received a letter from Bank of America instructing me on how to manage my two ( 2 ) accounts. Then, on XX/XX/2022, I contacted XXXX XXXX and Bank of America to delete my two ( 2 ) accounts. I was on the phone for nearly 2 hours with Bank of America XXXXepresentatives in Florida, Texas and subsequently in Tennessee. The third representative confirmed that my accounts were finally closed and I advised XXXX XXXX of this.
Consumer complaint received 2022-03-17
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. (DE)

In 2018 a collection agency appeared on my credit report as XXXX XXXX XXXX who reported a debt as XXXX. At that time I contacted the company via certified mail requesting validation of debt because this debt does not belong to my person. They failed to do so and ultimately removed the collection account from all main bureaus which included Experian, XXXX and XXXX. Unbeknownst to me this was still listed under Rent bureau because they proper procedures were not followed on XXXX XXXX behalf to communicate this account was removed. I am uploading the cfpb complaint where XXXX XXXX  XXXX requested for this account to be removed from my credit report. This account does not belong to my person and even list an invalid name. In order to retain a lease with any agency valid identification must be provided or at least I would think so. Whoever opened this account did not even have my correct name. This account is a violation of my rights as a consumer because this account is fraud and does not belong to me.
Consumer complaint received 2022-01-31
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2024-03-12
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. (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 XXXX XXXX XXXX. 

Account name : #, XXXX XXXX XXXX XX/XX/XXXX Account name : #, XXXX XXXX XXXX XXXX XXXX Closed Account name : #, XXXX XXXX  XX/XX/XXXX Account name : #, XXXX XXXX  XX/XX/XXXX Account name : #, XXXX XXXX XXXX  XX/XX/XXXX Account XXXX XXXX #, XXXX  XXXX XX/XX/XXXX Account name : #, XXXX XX/XX/XXXX Account name : #, XXXX  XXXX XX/XX/XXXX Account name : #, XXXX XX/XX/XXXX Account name : # XXXX XXXX XXXX XX/XX/XXXX Account name : #, XXXX XXXX XX/XX/XXXX Account name : #XXXX XXXX XXXX XX/XX/XXXX Account name : #, XXXX  XXXX XX/XX/XXXX Account name : #, XXXX  XXXX XX/XX/XXXX Account name : #, XXXX XXXX XXXX XX/XX/XXXX has violated my rights 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 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. 
My information was impacted in the XXXX data breach and my personal information has been compromised, I see a few fraudulent accounts and inquiries that arent mine neither have I authorized anyone to apply for any of these accounts or inquiries listed below : its to my understanding that I have rights to a fair accurate credit report according to FCRA and consumer laws protecting me and my information. I would like these items removed due to them affecting my credit report and scores and i have no type of association with any of these acounts or inquiries U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.
Consumer complaint received 2022-03-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

An account was opened via online services with Bank of America using my maiden name. My credit has been frozen for months, additionally, they clearly never asked for any kind of proof of identification, had they done so they would know that the name and address listed were incorrect. I find it totally unacceptable that they would allow an account to be opened without any verification of the persons identity. 
I then had to spend almost 2 hours on the phone waiting to speak with the appropriate party to get this resolved. I was transferred 4 times to different departments and was never fully reassured that I would get any kind of confirmation stating the account in question was closed.
Consumer complaint received 2022-03-17
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. (PA)

In accordance with the Fair Credit Reporting act 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 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-01-31
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: AMERICAN EXPRESS COMPANY (NV)

Someone stole my identity and applied to many different credit card company 's using my information. These inquiries are on my credit report due to the fraud taking place. I contacted the credit card company 's and reported the fraud but the inquiries are still on my XXXX credit report. They said I need to contact the Fedral Trade Commission and get a report. When I tried that I was sent to XXXX website. XXXX also told me to get a deletion letter from the credit card company 's so they will remove the fraudulent inquiries from my credit report. One of the fraudulent inquiries is from XXXX XXXX on XXXX XXXX ( XXXX ) XXXX the other is American Express on XXXX XXXX ( XXXX ) XXXX.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY XXXX the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need this account deleted or updated. 
This is the item I demanding to be deleted immediately : XXXX XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. XXXX XXXXXXXX ( XXXX ), It states that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report its been over XXXX  days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2022-03-17
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)

Original creditorXXXX XXXX XXXX XXXXXXXXOpenedXXXX XXXX, 2016. XXXX XXXX XXXXAfter viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2016. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 
Sincerely,
Consumer complaint received 2022-03-17
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: EQUIFAX, INC. (SC)

XX/XX/2022 a alleged amount {$4100.00}, XXXX XXXX XXXX XXXX DID NOT contact me as the LAW REQUIRES. 15 U.S code 1692g Validation of debt. A furnisher MUST mail a letter to the consumer and allow the consumer time to write a validation of the debt. Equifax, WHAT ADDRESS DID XXXX XXXX mail a letter to me so I can ask for validation of the debt? I asked XXXX XXXX using a CFPB complaint. XXXX XXXX has a address XXXX, NC. I don't have a PREVOIUS or PRESENT ADDRESS IN XXXX, NC. Please check my credit report for my addresses. I have attached the document XXXX XXXX sent me in a responds complaint # XXXX. Please look at the address on the letter and compare it to my previous and present address. No MATCH. XXXX XXXX has and is violating the fair debt collection practices act by putting a account on my credit report without notifing the correct ADDRESS.
Consumer complaint received 2023-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-16
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. (NC)

I have made several attempts with Experian and I dont know why its so hard for them to understand. 
. XXXX sent me an email to provide to Experian in removing the whole tradeline and or removing the late payment for XX/XX/2021. The email clearly states it, which I have attached.
Consumer complaint received 2019-11-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (NC)

HUNTER WARFIELD INC is reporting on my credit that I owed them {$3200.00} which I do not owe. They are stating they are collecting for a property management company that I do owe. They have not provided me with documents that verify this debt nor have provided me with anything letting me know about this debt before they reported it on my credit. This debt is not my. I have found out that they have been reporting this inaccurate information for over a year now. Something needs to be done
Consumer complaint received 2022-03-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (IL)

On XX/XX/2022 and XX/XX/2022 I wrote to The XXXX, XXXX requesting that they validate an alleged debt they claimed is owed to them by me. In my letter I requested that they provide specific documentation of validation as pursuant 15 USC 1692g ( b ). However, they failed to address my very specific legal requests, and have continued to unlawfully report this purported debt in violation of my right to privacy and the cease and desist requests, submitted in my previous communications, as defined under the FDCPA. The instruments they provided did not validate their proof of claim as it did not include evidence of any legal instruments bearing my my signature or their lawful right to collect on this alleged debt ; nor did it contain the accounting ledger in accordance with 15 USC 44 that illustrates the amount they purchased this alleged debt for and the correct amount allegedly due. Under the FDCPA it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. Their negligence and unlawful reporting of this alleged debt is causing me unwarranted stress and frustration, damaging my reputation and credit worthiness, and affecting my mode of living.
Consumer complaint received 2016-08-02
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Vendor is improperly reporting late charges and has refused to close my account for over a year which has no balance. No statements were ever sent by XXXX and I never received any statements until I filed CFPB complaint # XXXX yet after I closed my card XXXX processed charges ( never sent me notice of charges or billing ) and reported late payments ( even though no request for payment by XXXX was made ). XXXX stated in response to that complaint that my card had in fact been closed XX/XX/XXXX ( even though it was n't ). XXXX charged me with late fees and reported on my credit even though the card was closed with no balance. I received the attached letter in the mail on XX/XX/XXXX stating that my credit card ( which XXXX states was closed XX/XX/XXXX ) was being transferred to a new account. That new account shows open online and that I can make charges. I can not re-open the prior CFPB complaint to add this response so I am filing a new one. Either XXXX fraudulently notified the CFPB that my account had been closed ( see CFPB complaint # XXXX ) or my statements about their systems malfunctioning are correct. If I am correct then that further demonstrates the incompetency 's of their system and inappropriate late reporting. If I am not correct then that means XXXX knowingly summits false claims to a federal governing body. Take your pick.
Consumer complaint received 2022-03-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Glass Mountain Capital, LLC (FL)

XXXX XXXX is still attempting to collect a false debt with the following aliases : Glass Mountain Capital LLC XXXX XXXX XXXX XXXX XXXX XXXX has sent a letter to tell me that they sympathize with ID theft and would remove the false debt, yet they send another letter to offer a SETTLEMENT through the Glass Mountain LLC for that same debt that was not incurred by me and already proven to be a false. I am tired of the harassment and will be reporting them to a credit bureaus and federal entities to cease all communication and use of my personal information.