davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
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: LCI Acquisition Inc. (TX)

On XX/XX/XXXX, I had received a refused for delivery from this company of LCI Consumer Center. I also have proof of a certified mail from USPS tracking # XXXX and that I sent to remove items from this company data base. 


Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
Consumer complaint received 2022-05-14
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. (MD)

In accordance to the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions
Consumer complaint received 2022-05-14
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: BARCLAYS BANK DELAWARE (AZ)

Barclays bank of Delaware XXXX XXXX XXXX, XXXX, DE XXXX has opened a line of credit in my name which I have never authorized them to do and they will not remove it from my credit report
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. (ID)

I am filing another complaint because nothing is getting done. I want all documents that I have signed giving you permission to report anything on my credit and this is per 16 USC 1681b ( a ) ( 2 ). I also want to know where you got my bankruptcy information since the court clearly states they do not report, I will be filing for identity theft. I also want you to delete all names on my profile other that XXXX XXXX as this is the only name I have ever used on any document I have ever signed. My next step will be a lawsuit.
Consumer complaint received 2022-05-14
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. (NJ)

In accordance with the FAIR CREDIT REPORTING ACT the following collectors are in violations of my rights as an consumer. US DEPT OF EDXXXX {$46000.00}, US DEPT OF EDXXXX {$22000.00}, XXXX XXXX XXXX XXXX {$11000.00}, XXXX XXXX XXXX XXXX {$7700.00}XXXX XXXX XXXX XXXX XXXX {$6800.00}, XXXX XXXX XXXX XXXX {$5300.00}, XXXX XXXX XXXX XXXX {$3900.00}, XXXX {$2600.00}, US DEPARTMENT OF EDU {$8300.00} XXXX US DEPARTMENT OF EDU {$4100.00} , US DEPARTMENT OF EDU {$14000.00} , US DEPARTMENT OF EDU {$5200.00} , US DEPARTMENT OF EDU {$11000.00} , US DEPARTMENT OF EDU {$3400.00} , US DEPARTMENT OF EDU {$4400.00} , US DEPARTMENT OF EDU {$5500.00} , XXXX XXXX XXXX {$24000.00}, XXXX {$5500.00}, XXXX {$4000.00}, XXXX {$2600.00}, XXXX {$4000.00}, DEPT OF EDXXXX {$5500.00} also FRAUDULENT INQUIRIES FROM ALL Credit Bureaus. I have provided an FTC identity theft report with the 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. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2016-01-07
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (OH)

My account was closed unexpectedly on XXXX XXXX, 2015. I have been given no reason for the closure. Calls to the company have been completely useless. I also find it ironic that I had just made a charge which would have allowed me to remain more than half my accumulated rewards. Perhaps Barclay 's did n't want to pay me for the XXXX points I had accumulated?
Consumer complaint received 2024-02-15
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. (MO)

I am writing to express my deep dissatisfaction and frustration regarding the multiple unsuccessful attempts to remove fraudulent items from my account. Despite numerous reports and requests for assistance, the resolution process has been ineffective, and the fraudulent charges persist, causing significant distress and inconvenience. 

I discovered unauthorized and fraudulent transactions on my account, prompting me to contact your institution immediately to report the fraudulent activities. Since then, I have diligently followed the necessary procedures for disputing unauthorized charges, providing detailed information, and submitting supporting evidence. 

Regrettably, my efforts to rectify this situation have been met with continuous setbacks, leading me to question the efficiency and effectiveness of the resolution process. I wish to bring the following issues to your attention : Inadequate Investigation : Despite multiple reports and the provision of supporting documentation, it appears that the investigation into these fraudulent transactions has not yielded the desired results. The lack of progress is concerning, and I am left with unresolved issues on my account. 

Communication Breakdowns : Throughout this process, there has been a significant lack of clear and consistent communication. Timely updates on the status of the investigation and the actions being taken would have provided reassurance during this challenging period. 

Continued Unauthorized Charges : To my dismay, the fraudulent items persist on my [ credit card/bank statement/account ], indicating a failure to adequately address the issue and protect my account from further unauthorized activities. 

I understand that addressing fraud cases is a complex and challenging task, but as a concerned customer, I expect a higher level of urgency, transparency, and commitment to resolving such issues promptly. 

I am formally requesting an immediate and thorough review of the handling of my case. I insist on a comprehensive explanation of the steps taken to investigate and remove the fraudulent items from my account. Additionally, I seek clear assurances and a detailed plan outlining how your institution intends to prevent the recurrence of such incidents in the future. 

If my concerns are not addressed satisfactorily, I may have no choice but to escalate this matter to the relevant regulatory authorities and consumer protection agencies. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXXXX/XX/year>XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXXXXXX Balance Owed : {$390.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXXXXXX XX/XX/year>.
Consumer complaint received 2022-05-14
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. (TX)

I have sent several dispute letters to XXXX, XXXX, and Experian about an incorrect account on my credit report from XXXX XXXX. XXXX could not verify and sent me proof of the debt so it was deleted. I requested the debt be verified and to be sent proof from all three agencies. XXXX and Experian refused to correspond in regards to the debt on all occasions.
Consumer complaint received 2022-05-14
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. (NJ)

In accordance with the FAIR CREDIT REPORTING ACT the following collectors are in violations of my rights as an consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also FRAUDULENT INQUIRIES FROM ALL Credit Bureaus. I have provided an FTC identity theft report with the 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. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-05-14
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. (TX)

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. HAS VIOLATED MY RIGHTS AND THIS ARE THE COMPANY THAT HAVE VIOLATED MY RIGHTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 ITEMS 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 2019-11-19
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. (MD)

XX/XX/2018 {$2000.00} credit line, this was a fraud and Ive sent the complaint to the bank and the credit report bureau. My credit score has suffered.
Consumer complaint received 2022-05-14
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

This is a repeated caller claiming to be 5/3 Bank and saying they are calling to get payment on an auto loan. The number is XXXX. It calls daily, weekdays or weekends. I'm asked to give personal information, such as my birthday. 

I have checked with 5/3 Bank and its representatives. They say this is a scam call. 

I've told the person- it's a real person on the line- not to call me. They continue to do so. It needs to stop.
Consumer complaint received 2022-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (GA)

I went to a restaurant with a big group and my credit card got charged twice. Once for {$20.00}, which was the correct amount, and once for {$150.00}, which was definitely a wrong charge. I talked to the restaurant manager, and they said they had no record of the {$150.00} charge and to dispute it with my credit card company, which is Chase. Chase reassured me that they would take care of the fraudulent charge, but they ended up charging me for it. When I questioned Chase about why they did not take care of the fraudulent charge, they said it was because the card was scanned in person. I told them that's because I was at the restaurant like I told them with the card, but the {$150.00} charge was not mine, so the waiter must have used it for an UNAUTHORIZED transaction. Chase insisted they would not cover any fraudulent charges from a merchant that I have used before, which makes no sense. So basically if I used a merchant like XXXX a XXXX times with my credit card, but a fraudulent charge went through on XXXX then they wouldn't cover it?! They said they did not obtain a signed copy of the receipt for the {$150.00}, which if they did, it would clearly show it was NOT my signature that authorized it. I even submitted to Chase a copy of my correct receipt showing the {$20.00} charge and e-mail correspondence from the restaurant, but Chase still did not take care of the fraudulent charge.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (NC)

I was contacted by mail from a debt collection company concerning a debt that I owed for Vehicle insurance. I had canceled my service with XXXX XXXX, and I notified XXXX in writing that I had moved on to another company. I contacted the debt company to ask what is this fee of {$260.00}. I was told that it was from XXXX XXXX. I asked them what month was the fee due. I was told XX/XX/2021. I sent them proof of payment. They continued to write me stating that I still owe the {$260.00}. I called once again and asked if they had received the proof of payment that I sent them. They continued to sent me letters stating that I owed the Debt. I contacted them again and I was told that it was for going past the due date in XXXX. Due date was XX/XX/2021. After still getting a bill from XXXX, I contacted them via email on XX/XX/2021 telling them that I let the policy cancel because I had another insurance company. XXXX XXXX ( my new company ) informed me that I did not need to contact XXXX, they would do it for me. Somehow they did not inform XXXX according to the XXXX agent. She asked me for proof and I contacted XXXX XXXX to verify my proof of coverage. A couple of days after my last conversation with the Debt Collector, I had received a notice that I had a debt collection added to my credit report. I again called the Debt collector to try and get it removed because I did not feel that I owed it. After an extended conversation with the agent and the manager, they were very rude and did not want to hear anything I had to say about the matter. Again I contacted XXXX and told them that I would pay them the money but I did not want to deal with that Debt Collection company again. I was told that they could not help me and I would have to take it up with the Debt Collector. Months later I received a text message from the Debt collector to call them. I called and they told me that I could settle this debt for {$180.00}. I tried to negotiate it to {$150.00} but they would not take it. At this point, I just wanted it settled whether I owed it or not. I asked if I paid the {$180.00} would it be removed from my credit report. They told me no. I asked if I paid the entire {$260.00} would it be removed from my credit report. Again, they told me no. I told them the only reason I would pay it is to have it removed. End of conversation. I went back into all of the emails that I had communicated with XXXX. I was told in the initial response that I did not need to provide proof of insurance with another carrier and they could back date 30 days. Anything beyond 30 days would have to have proof of insurance. I have copies of all the emails that I sent to XXXX and their response. This has been a very frustrating situation and I have tried to resolve it several times with no luck. The name of the debt collection company is Credit Control Services , Inc. dba Credit Collection Services.
Consumer complaint received 2022-05-14
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. (TX)

I have sent several dispute letters to XXXX, Equifax, and XXXX about an incorrect account on my credit report from XXXX XXXX. XXXX could not verify and sent me proof of the debt so it was deleted. I requested the debt be verified and to be sent proof from all three agencies. Equifax and XXXX refused to correspond in regards to the debt on all occasions.
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

XXXX XXXX has provided me with a copy of my Transunion credit report. As I have noticed that none of the five collection accounts belong to me. Can you send proof that these are my accounts?
Consumer complaint received 2023-09-25
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. (VA)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-14
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. (NC)

n accordance with the Fair Credit Reporting act XXXX  XXXX, XXXX, XXXX, XXXX, XXXX, 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 XXXXXXXX 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