davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This my third ( 3rd ) time telling you that report is false, there are invalidated, inaccurate, and misleading items thats stressing me out. There are two laws which you are breaking 15 US Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 US Code 1681e ( b ) - Compliance procedures maximum possible accuracy.

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. Trying to collected on false/alleged collections accounts Is a violation of my rights per 15 US Code 1692f ( 1 ). Please permanently delete : XXXX XXXX XXXX - Account number : XXXX Also with XXXX XXXXXXXX and my XXXX XXXX XXXX XXXX appears to have reported an late payment on my account which Is both an billing error violation and reporting error violation. Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended. Such reporting has not been validated which Is my right per 15 US Code 1692g ( a ) ( 4 ) and 1692g ( a ) ( 5 ). I asked that you please permanently delete this Inaccurate reporting : XXXX. XXXX XXXX- Account # Account number XXXX XXXX. XXXX XXXX XXXX XXXX - Account # XXXX XXXX. XXXX XXXX XXXX - Account number XXXX This type of reporting is false and misleading, as these alleged soft inquiries, hard inquiries, and promotional offers were not authorized so 15 US Code 1681b ( c ) ( 1 ) ( a ) ( b ) ( i ) ( 3 ) stated they be deleted. 

XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Union XXXX XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX  XXXX ) XXXX
Consumer complaint received 2024-04-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Continental Finance Company, LLC (FL)

I have paid this bill a while ago and it's recorded phone call and I know I don't owe any debt bc I am the creditor but I dis pay this bill off and they are trying to bill me for late payments and add interest on it XXXX XXXX XXXX I don't owe for late payments also my identity has been traded and shared by this company this is illegal now my privacy has been invaded by this companies ans something needs to be done
Consumer complaint received 2023-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Enterprise Systems, Inc. (CA)

I constantly am getting emails from this debt collection company named National enterprise systems, located at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX to settle a debt that has already been removed from XXXX and XXXX and or XXXX. I'm literally letting email every 2 days twice each time to settle a debt that is no longer on my credit report. I've attempted repeatedly to contact this company, I've sent emails and they still won't stop sending me collection notices via email. The emails have been coming since XX/XX/2022. Here is a couple of their email addresses ( XXXX ) And ( XXXX ). 

Also the NES account # they placed on my name is XXXX and XXXX
Consumer complaint received 2023-02-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

This company calls me many times a day, I've repeatedly told them that the person they're calling for is not at this number, they refuse to put my number on a Do Not call list. 
The company seems to be Midland credit management. 
For the last year they've refused to even tell me the name of their company when I answer, the only reason I got it was I pretended to be the person they were calling for once, once they told me who they were, I informed them that this is not their phone number and to put me on the Do Not call list. That seemed to make the operator angry, even though I told them directly I just said yeah to the name they gave, and that was not in fact me I just needed to know what company was repeatedly calling. The operator used foul language with me and hung up.
Consumer complaint received 2023-07-31
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: EQUIFAX, INC. (OH)

I wanted to inform all parties that in the last thirty ( 30 ) days I explained in my letter to that, you, as a Federal Reporting Agency has not complied followed FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

Please send me any and all VALIDATION and PROOF OF CLAIM Documentation for the folloXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated.
Consumer complaint received 2023-02-27
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX BANK XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX BANK XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX A XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : {$1900.00} XXXX BANK XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX BANK XXXX XX/XX/2021
Consumer complaint received 2024-04-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

It has been months and many months, I noticed that LVNV funding LLC placed {$720.00} in my credit report for collection. I never gave LVNV funding LLC my consent and authorization to place any information in my credit report. I never received any products or services from LVNV funding LLC. I never entered into a legal and lawful contract with LVNV funding LLC. I demand that LVNV funding LLC provides me proof of a legal and lawful contract between me and them. I demand that LVNV funding LLC provides proof beyond any reasonable doubt that I ever gave them my consent to defame my honorable character with XXXX XXXX and XXXX for the alleged debt. Finally, I demand that LVNV funding LLC remove their fraudulent account from my XXXX XXXX and XXXX credit report immediately. 

P.S I demand that LVNV funding LLC validate, verify, authenticate this alleged debt. I demand this alleged claim is deleted from my XXXX XXXX and XXXX credit within the next 7 days.
Consumer complaint received 2023-03-01
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. The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 ( A ) ( 4 ) states there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy. 

15 U.S.C 1681 section 604 ( A ) ( 2 ) states In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1681C ( A ) ( 5 ) states no consumer reporting agency my make any consumer report containing any of the following items of information : Any other adverse item of information, other than records 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 the information is inaccurate.
Consumer complaint received 2023-02-11
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. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (CA)

I had applied for a Wells Fargo Bilt credit card XXXX ( around the XXXX ) of this year. I was soon after informed that my application was denied and I very recently received a letter stating the reasons for the denial. I did not agree with the reasons so I called them again and I was told your application would be re-evaluated. Within the next 5-10 min, I received another email saying my application was denied. I happened to get my free annual credit report from XXXX today and was cross-checking the facts in order to check if there's something wrong which might have caused the denial, which wasnt the case. I immediately called Wells Fargo to address this on the XXXX of XXXX, I talked to someone from the customer service team and on further exchange and request, she forwarded me to the escalation team. I talked to them for a good 20 minutes but in vain. I explained how each of the reasons provided in their letter to me wasn't true and did not stand ground and I requested an explanation from them regarding the same. I was repeatedly told that they do not make the application decision and it's XXXX that actually does it and its them whom I should be calling instead of them for any information. I told them that's not how it should work and that XXXX only provides the reports to lenders, based on which each lender makes their own decision but again I was dismissed by saying that they don't handle the decisions and they can not answer my questions. I then called XXXX hoping for some clarity but as expected they said the same thing that I had assumed, they just provide the reports. It should be Wells Fargo that makes these application decisions and that they can't answer my queries for me. Wells Fargo has been absolutely oblivious and have acted in the most unaccountable and unprofessional manner in the way they have behaved with processing my Bilt credit card application. I have good credit and have never defaulted on any payments, I have 4 credit cards and a healthy auto loan as well. I just wanted the Bilt credit card for benefits on rent payments, but this has been a cumbersome experience and I know for a fact this has happened to other people too. Please advise on how I can get more clarity on the denial of my application where I completely disagree with the reasons provided. I have provided my XXXX credit report as an attachment as well.
Consumer complaint received 2024-01-31
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)

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX - XX/XX/2024 - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Trans Union, XXXX, and 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 or 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 data is inaccurate.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NM)

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.

The letters are stated with items and issues.

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 2023-07-31
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: EQUIFAX, INC. (FL)

I recently found that there are several fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine.
Consumer complaint received 2024-01-31
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. (PA)

I attempted to reach out to each credit furnisher and creditor requesting documents as well as supplying my verification documents and complete and accurate identity theft report. IRS identity theft affidavit as well as a copy of the file police incident report. I could not reach anyone on the phone. I submitted documents to the creditors and no response. To dispute these accounts normally they will verify it is my personal information. How do you protect the consumer?
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Subject : Urgent : Request for Correction of Credit Report - Compliance with Federal and UCC Laws Dear XXXX XXXX XXXX, I trust this communication finds you well. I am writing to express profound concerns about potential violations of both federal and Uniform Commercial Code ( UCC ) laws related to my investment with XXXX. 

As an investor, I provided XXXX with an asset-backed security, aligning with the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681s-2. XXXX, as a furnisher of information, is required to provide accurate information to credit reporting agencies. The absence of a system to verify billing statements with investors, as outlined in 15 U.S.C. 1666 ( b ), raises significant questions about the permissible purpose for reporting such information without explicit written consent or a court order. 

In addition to federal law, I want to emphasize UCC Article 9 - Secured Transactions ( 9-609 ). This section mandates that a secured party must conduct enforcement in a commercially reasonable manner. Given the discrepancies in my billing statements, it appears there might be a violation of UCC Article 9 ( 9-609 ) guidelines.

Moreover, UCC Article 9 ( 9-625 ) underscores the duty of a secured party to conduct a comprehensive investigation when an investor disputes the accuracy of information related to their account. To address concerns of security fraud, I insist on a thorough investigation into my account, including a XXXX audit. 

In the event of a XXXX audit, the auditor will have the capability to retrieve the CUSIP number associated with my security. This auditor will be able to scrutinize the financial details, including how much money XXXX has generated from my security and its current valuation. 

Failure to promptly rectify these issues may result in further legal actions, including the involvement of the Internal Revenue Service ( IRS ) to ensure compliance with tax regulations. My primary objective is to resolve these matters amicably, and I firmly believe that a comprehensive and timely correction of my credit report is in the best interest of both parties. 

I kindly request the immediate correction of my credit report to accurately reflect a " paid as agreed, never late '' payment history, aligning with both federal laws, particularly the FCRA, and UCC Article 9 ( 9-609, 9-625 ) requirements. 

I trust that XXXX will take immediate, comprehensive steps to address these concerns to avoid further legal actions and to maintain the integrity of our business relationship.
Consumer complaint received 2024-04-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AK)

On XX/XX/2024, I deposited a check for {$430.00} issued to me by XXXX XXXX XXXX XXXX XXXX XXXX. There were 2 tellers and rook longer than I thought to have it deposited. They said we have to hold the check before it clears and deposited only {$220.00} and the rest will deposit on XX/XX/2024. I asked them what bank the check has on it. It showed XXXXXXXX XXXX I told them TWICE I bank with XXXX XXXX They did not give me the option to decide to take the check and go to the other bank. They just went ahead and deposited it. I went to XXXXXXXX XXXX in person and told THEM the issue and they said once it's deposited at Wells Fargo I can't ask for the check. The point is WELLS FARGO EMPLOYEES DID NOT GIVE ME THE OPTION TO TAKE THE CHECK TO XXXX, WHICH XXXX WOULD HAVE DEPOSITED THE ENTIRE {$430.00}. Now I am sitting here waiting for NINE ( 9 ) DAYS to have the rest deposited. It is REDICULOUS to wait 9 days for the entire check to clear!
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (OH)

On XX/XX/2024 I was denied an open ended credit line due to my race and sex. This denial has greatly impacted my life and the lives of my family. Barclay bank Deleware did not conduct reasonable procedures to ensure my report XXXX included maxium accuracy unfortunately I do not have confidence in this system and will no longer extend credit due to the adverse Actions of this in accuracy I have notified them of this matter yet the chose to ignore the law.