davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (MN)

This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-02
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXXXXXX XXXX XXXX # : XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) # : XXXX, Account Name : XXXX XXXX # : XXXX, Account Name : XXXX BANK # : XXXX, Account Name : XXXX XXXX XXXX XXXX  # : XXXX Account Name : XXXX XXXX # : XXXX, have 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.

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 2020-03-02
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. (IL)

On XX/XX/20 I applied for a credit card and was denied for the first time ever based on my TransUnion credit score. I purchased my credit report from TransUnion and my report had my correct social security number but it is mixed with someone elses account. It came up with someone elses name, address, date of birth, and credit history. My XXXX  and XXXX  Credit reports are accurate. This is a problem with TransUnion only. I called TransUnion and they looked up my credit report by name and said nothing is wrong but I have evidence that the entire report is wrong.
Consumer complaint received 2024-02-22
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. (FL)

Experian, XXXX, experian In Violation of 1028a Aggravated identity theft As they never sent me the Method of verification for accounts : 1. Experian : Account : 2 U S DEPT OF EDXXXX, Account Number : XXXX 2. XXXX : Account : XXXX DEPT OF EDUCATIONXXXX, Account Number : XXXX and account number XXXX 3. XXXX : Account : Us dept of education, Balance : {$5300.00} XXXX XXXX XXXX - Account Number : XXXX 5 XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 6 XXXX XXXX XXXX XXXX Account Number : XXXX XXXX, XXXX and experian have also Committed identity theft On Consumer Report Along with The creditors According to the Fair Credit Reporting Act, 15 USC 1681 section 602a emphasizes the need for consumer reporting agencies to handle their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. As the consumer, I assert my right to safeguard private information, supported by 15 USC 6801, which underscores the obligation of financial institutions to protect customer privacy. 

Under 15 USC 1681 section 604a ( 2 ), consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the concerned consumer. Equifax, Experian, and the ( Furnisher of information to credit agencies ) lack my consent and written authorization for sharing this information.

Moreover, 15 USC 6802 ( b ) ( c ) specifies that a financial institution must provide an explanation of how consumers can exercise their nondisclosure option. However, ( Furnishers of information to credit agencies ) failed to inform me of this right. 

I am Giving XXXX, XXXX and experian a chance to set my consumer report right By Deleting all accounts in question off my consumer report I will Be charging XXXX, XXXX and experian a XXXX dollars for each day accounts stay on my report from the date of receipt of this complaint Please rectify immediately
Consumer complaint received 2022-02-22
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)

XXXX XXXX, AC # XXXX, XXXX, Amount {$1200.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
Consumer complaint received 2022-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have a loan with CAP1/XXXX  with the account number XXXX but I was never late on making my payment. However, the 30 days late which was tagged in different months of 2019 was a question for me since I was never notified nor informed of the said issue. Thus, I have been asking for any proof that can be used for me to validate the result of their investigation.
Consumer complaint received 2017-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (NJ)

I received a notification in the mail from a company claiming they are collecting an unpaid bill of {$57.00}. I did not contact them directly b/c it seems so suspicious. This seems suspicious to me for several reasons.  ( 1 ) They seem to have my correct name and address, and yet no one has tried to contact me regarding paying this amount in the past. It " all of a sudden '' showed up as " delinquent. '' ( 2 ) I do  not recognize the name of the vendor with whom I supposedly did business and owe money  (   XXXX   XXXX   XXXX ? ) nor were there any dates or services provided . ( 3 )  There are three different names and addresses provided on the statement : "  Central Credit Services  '' out of   XXXX   XXXX  , Missouri and "  XXXX  '' out of Florida and a   XXXX   XXXX   XXXX   XXXX   XXXX   in  XXXX , PA  XXXX .
Consumer complaint received 2020-12-28
Product: Credit reporting, credit repair services, 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)

inquiries i did not authorize. 

Experian Business Credit XXXX XXXX XXXX XXXX XXXX, CA XXXX This company checked my credit five times, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I did not authorize this. If I use Experian to check my credit on a normal basis, they never report it as a hard inquiry. 

NOT FAIR
Consumer complaint received 2017-05-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (FL)

On  XXXX    differtent ocassions the bank mngr.  XXXX   XXXX  acted in avery unprofessional manner and tried, without my permission to have me talk to his investmenet person.Then when I filed a complaint against him I got a rude and threatening call from his supervisor,  XXXX   XXXX  threatening to close my account at once and to mail me back my money.
Consumer complaint received 2020-12-28
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: FC HoldCo LLC (WA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, FLAGSHIP CREDIT ACCEPTAN add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2017-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are 10 credit inquiries on my XXXX credit report. I did NOT make these at all. I checked the report in the last 2 months and these " Hard Credit Inquiries '' were NOT there. Also a car dealer ran my credit 3 separate times and did Not inform me.
Consumer complaint received 2020-12-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (CO)

I make regular transfers with the company called " Transferwise '' usually with no problem and within minutes from my bank in the United States to the XXXX. But, on XX/XX/XXXX a unauthorized transfer of {$150.00} USD was debited from my US account and was never transferred. I made a fraud report today ( XX/XX/XXXX ) with my bank in this matter but Transferwise has not replied to my messages. I also recently made another {$150.00} transfer on XX/XX/XXXX that was for some reason delayed which is usually not normal. Due to the delay I cancelled it but they still debited my account and are stating that they did not receive the money but when they do it will be refunded. Both cases are very suspect as usually they transfer the cash almost immediate before they even debit my account and sometimes that takes a few days. I suspect fraud in both cases
Consumer complaint received 2024-02-22
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. (NY)

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Consumer complaint received 2022-02-22
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. (CO)

I have written 3 dispute letters to Equifax about an unverifiable account on my credit report. The first letter was in XXXX of XXXX, followed up in XXXX of XXXX, and in XXXX of XXXX. 
After 3 months of no response from them, it is still on my credit report. There is no creditor or collection agency listed for me to try to validate this account. It is absurd that Equifax has even placed this unverifiable account on my report.
Consumer complaint received 2020-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My PPP was disbursed into my bank account XXXX XXXXOn XX/XX/2020 my XXXX  bank account & savings account was put on hold by Bank of America . After 13 phone calls, which included the response " sorry we have no information, an investigator will get in contact with you, and nobody did. I was told by Bank of America to send in all documentation to prove accuracy of our business PPP loan. Complete packet was mailed in and received by BOA XXXX XXXX. The account was reopened XX/XX/XXXX and then put on hold again XXXX XXXX. On XX/XX/XXXX the entire funds from checking ( {$39000.00} ) & savings ( {$59000.00} ) was sent to Legal Order LTS XXXX. I have called 10 times since XX/XX/XXXX and am receiving the same response with no resolution. My business is holding on by a thread because BOA has my funds and PPP funds held with no response, resolution or action. We will be retaining legal counsel immediately as this is highly illegal and the funds disbursed to us by the SBA to help keep our business afloat have been left on hold status on and off since XX/XX/XXXX. 

A fair resolution is for Bank of America to give me my money back by closing the account and issuing a cashiers check for the checking and savings funds that are currently being held. IN A NUTSHELL GIVE ME MY FUNDS BACK!!!! 

See attached copy of XXXX, XXXX & XXXX Statement showing the SBA PPP funds being deposited into the account & then removed and held by BOA.
Consumer complaint received 2022-02-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNT from my credit report immediately.
Consumer complaint received 2020-12-28
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: Eastern Account Systems of Connecticut, Inc. (TX)

This fraudulent account has been identified with the original creditor XXXX  XXXX XXXX XXXX as a fraudulent account but has appeared twice on my XXXX  and XXXX  credit report as a new account for an amount of {$110.00} and {$150.00}. This need to removed immediately as this issue has been resolved with the original creditor as fraud.
Consumer complaint received 2020-12-28
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. (FL)

I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 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 XXXX  data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2020-12-28
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: Bread Financial Holdings, Inc. (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, COMENITYCAPITAL/XXXX  add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-12-28
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$0.00}, {$6600.00}, {$0.00}, {$9200.00}, {$9500.00}, {$130.00}, {$63.00}, {$520.00}, {$360.00}, {$2300.00}, {$7200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$63.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$520.00} -This is not my account. 

10. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

12. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account.
Consumer complaint received 2024-02-22
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)

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 NumberXXXX has violated my rights. Or a 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 2020-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My unemployment card was stolen. There were XXXX in claims submitted in XX/XX/2020. My claim has been denied and escalated several times. Most recently it was denied in XXXX XXXX. Since XXXX Ive reached out to merchants that my card was fraudulently used at. A square purchase made with a XXXX XXXX in California led me to learn he dealt with a woman named XXXX. XXXX received the chargeback through square and was made to return the money charged to my card. Yet Bank of America denied my claim for the false charges. Where is the money that XXXX XXXX and others have had to return? If my claim is denied, Im not receiving it. Therefore Bank of America has the funds. So they are now stealing from merchants and consumers.
Consumer complaint received 2019-02-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TD BANK US HOLDING COMPANY (PA)

XXXX  Card services has been calling my cell phone 2-3 times a day every single day for past several weeks. Even after requesting them and writing them to stop contacting me by phone. I plan on paying my debt I am just jobless after a move. The company has ramped up its calling efforts and is now calling me more then 2-3 times a day. I had 6 calls today alone from them. I want them to stop calling me.