davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

XXXX has refused to send me the requested documents and there has been a security breach in their system Please be advised that pursuant to Section 615 ( b ) of the Fair Credit Reporting Act I am entitled to request, and I hereby do so, full disclosure of the factual information disclosed to you by persons other than Consumer Reporting Agencies, so that I may refute, challenge or dispute its accuracy. The validation system ( XXXX  ) does not do a lawful validation and verification. I request that a human validate my dispute under the penalty of perjury. 

I demand copies of every document that your agents use to validate the following collections that are reporting on my credit file without my authorization. I did not and do not give any of the following collection companies permission to have my personal information in their database. I do not give them permission to communicate with your company as a third party. I demand that your company destroy all information you have received from the following collection agencies unless you have an written authorization bearing my signature. Which I am requesting a physical copy of in this authorization. Which your company is required to have in your file. 

To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXX v XXXX XXXX XXXX XXXX XXXX XXXX. App. LEXIS 509. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. 
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX v. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( D.Conn., XXXX XXXX, XXXX ) Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 
Intimate knowledge of the creation of the debt by you, the collection agency. 
As I am sure you are well aware, under FDCPA Section 809 ( b ),  you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. Method of collecting the debt. XXXX v. XXXX
Consumer complaint received 2022-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

In accordance with the fair credit Reporting Act XXXX XXXX Account number XXXX has violated my rights. 
15 U.SC 1681 Section602AStates I have the right to privacy.

15 U.S.C 1681 Section 604 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

XXXX Account number XXXX 15 U.SC 1681 Section 602A 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-01-17
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. (OK)

XXXX XXXX XXXX XXXX is reporting incorrectly on my credit report. It reporting as derogatory information. I have never had a loan with this company, the account is showing I have a missed payment with them and that's not correct. I have attached the receipt. I need XXXX and XXXX you to fix this account asap.
Consumer complaint received 2024-03-29
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

I was contacted by Wells Fargo via mail in reference to # XXXX Accidental benefits I was aware of having been charged in XX/XX/2010. After responding no, they were supposed to reimburse me with {$4600.00} I was contacted by Wells Fargo via mail in reference to # XXXX " XXXX XXXX XXXX '' I was aware of having been charged in XX/XX/2010. After responding no, they were supposed to reimburse me with {$240.00} They said it would be between 15-45 days. It's now over 4 months since I contacted them in referance to that letter.
Consumer complaint received 2021-09-24
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. (GA)

Received credit inquiry from XXXX on XX/XX/2021. Inquiry stated wrong address input, further investigation required. 
I have no knowledge of this inquiry and no credit application was completed. Also, input address is not my current or previous address. Possible fraud.
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I have filed numerous complaints with numerous government entities including the cfpb and the problems are still not fixed. I have filed complaints directly with the credit reporting agencies I have filed complaints with XXXX directly I have filed complaints with the Department of Education and the problem is ignored and not corrected. This is my final attempt before I contact a lawyer and I become part of a class action lawsuit to sue XXXX. 

I have repeatedly asked for the past 12 to 18 months worth of statements an information showing payments that I have made how they were applied and previous interest rate information how it was calculated in all kinds of information that I have not received and it is not in my account. I am sick to death of asking for XXXX  that I am required to have by law! There are no statements there are no details there is no information. On top of that I continue to make payments that it or not reported to my credit bureaus. My loan has has decreased because I have been paying down the loan and there is no interest accumulated yet none of this information transferring over to my credit reports. They are only reporting that I am on time they are not reporting that I'm making payments which I am. They sent me some ridiculous response and I'm going to attach to this complaint about my address and other things that was not even part of my complaints and they completely ignored the second part of my complaint which dealt with the credit reporting problems. They also keep flat-out lying and stating that they are uploading statements and all of us other lies that they are not in my account. I want this XXXX fixed now I have had enough and I'm going to go to the media as well. They are playing games even in the response that I have attached to this complaint they tell me to detail my complaint again and send them more information which I have multiple times. I am not playing games they are to report what they have to the Credit Agencies immediately and accurately. They are also reporting an address that I have never lived at and they keep reporting it to the Credit Agencies an address in XXXX Michigan.
Consumer complaint received 2022-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (FL)

XX/XX/2022, I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account, Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

For the following account : Acct name : XXXX  Acct # XXXX I had enclosed a copy of my identity theft report with the written letter I sent out in XX/XX/2022 Because the information you are reporting is the result of identity theft, and inaccurate. 

I still have not received written confirmation of these actions.
Consumer complaint received 2019-10-03
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

Collection was incorrectly sent to Jefferson Capital Systems from XXXX after XXXX had agreed to nullify my contract after I moved to a location where XXXX did not provide service. Jefferson Capital aggressively and repeatedly contacted me asking me to pay this debt when I explained to them that it was not valid ( according to XXXX 's own contract ). The last time I spoke with Jefferson Capital, I offered a resolution which they refused. Now they are reporting this account to the credit agencies and using it as leverage against me. I am very disturbed by their lack of reason in this matter and now it is unjustly affecting me.
Consumer complaint received 2019-05-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: INVESTORS BANK (NY)

I opened the checking account on XX/XX/XXXX with the bonus offer : " {$250.00}, {$25.00} per month for 10 months. Reward payments will cease at the earlier of reaching {$250.00} total or 11 consecutive cycles from the date you opened your account. To be eligible to receive monthly bonus you must satisfy the following transaction activity requirements : have an ACH deposit to your account of {$500.00} or more during your statement cycle ; OR, complete 10 Point-of-Sale ( POS ) transactions during your statement cycle, using your YourStyle Visa Debit Card linked to your account. " Until XX/XX/XXXX, the 11th consecutive cycle ended, I had 10 cycles with equal or more than 10 POS transactions in each cycle ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). I only missed the XX/XX/XXXX circle, which is because the bank made the statement date two days earlier than usual. ( I called the branch and they explained that because XX/XX/XXXX is Sunday. So they made the XXXX/XXXX/XXXX the statement closing date, instead of XX/XX/XXXX. According to the thumb of rules, in such a situation, the statement closing date should be postponed one day to Mondy, instead of ahead of two days to Friday. This not only caused me the {$25.00} bonus not posted but also I was charged $ XXXX monthly maintaining fee. ) On XX/XX/XXXX 's statement, which is the 11th consecutive circle, the 10th {$25.00} bonus should be posted. However, it was not. I online chatted and the agent confirmed that {$25.00} should be posted on the statement of XX/XX/XXXX. I have the screenshot of the confirmation. She said I need to contact the branch to let them manually correct the error and give me the bonus. But the branch never responded. The bank 's service XXXX. Wasting my time without solving such a simple problem.
Consumer complaint received 2017-08-23
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. (TN)

I filed chapter XXXX XXXX 2017 the us court, my self, attorney sent notice to XXXX XXXX and all credit bureaus but experian and XXXX XXXX have refused to update 1 Account to show included in Bankruopcy, I mailed court documents to both experian and XXXX XXXX and still they refuse to correct,
Consumer complaint received 2022-11-30
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. (MN)

Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXX XXXX XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all XXXX violations. 


Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX XXXX  XXXX is falsely publicizing an account addressed to me on XXXX, Equifax XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX XXXXXXXX has published my information publicly on Equifax, XXXX & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 


Fact, 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. XXXX XXXX XXXX  XXXX has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, Affiant is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX  XXXX Right. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX XXXX has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.
Consumer complaint received 2021-06-10
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

please review the accounts below that were reported, without any warning, it is hurting me.

Identity Theft CAPITAL ONE Account Number : XXXX**** This is not mine.

7. Identity Theft XXXX  Account Number : XXXX**** This is not mine.

8. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine.

Identity Theft XXXX XXXX  Account Number : XXXX** This is not mine.
Consumer complaint received 2018-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

The above three accounts ( XXXX, Capital One, and XXXX ) appear exactly as attached hereto on my credit report, but must be removed immediately. I have previously written each of the above fake " creditors '' a minimum of six times certified mail about the above accounts, which appear erroneously on my credit report. Under the Fair Debt Collection Practices Act ( and the Fair Credit Reporting Act ) these three companies ' repeated lack of any valid response by itself means that the CFPB should take legal action immediately. In addition to lack of response, the very data from the reports themselves copied above from my credit report all indicate that each account is WAY more than 7 years old, which in and of itself is dispositive. To be clear, these three accounts are not, nor were they ever, in my personal name nor guaranteed by me, and they are also more than seven years old, as the above " re '' notations demonstrate. What apparently is happening is that these companies are Illegally attempting to use fraudulently much more recent dates - the dates when the companies finally unilaterally got around to " writing off '' the amounts owed -- because these 3 companies knew that they could not win a lawsuit because the debts were not and never were mine. In sum, none of these accounts was ever in my personal name or guaranteed by me, all 3 are ADMITTEDLY, by the information provided above, more than 7 years old.

These companies scoff at federal law and essentially say, " sue us, '' which suit enforcing the FCRA is really the responsibility of the federal government law enforcement agencies, not individual consumers like me. I have written the CFPB before about this matter previously but have not received a response.Whatever the next step is, lets take it!
Consumer complaint received 2021-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (OH)

Notice for Proof of Claim Account : DRS ( DYNAMIC RECOVERY SOLUTIONS ) XXXX Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (FL)

A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account Number : XXXX Collector : XXXX XXXX Creditor : XXXX Status : Unpaid Balance Amount : {$640.00}
Consumer complaint received 2022-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (NY)

On my way back from my trip to The XXXX XXXX, I applied for the XXXX card on XX/XX/2021 while on the plane. The staff member was passing out applications. I had heard many good things about it and since I wanted to keep traveling I felt like it was something I needed. I got a letter in the mail saying I got approved about 3 weeks later. The was the last letter I ever received. In the last 6 months I didnt receive a card, no mail, a XXXX $ charge, ( which doesnt make sense if I never received the card ). I have called Barclays Bank to resolve this issue and they cant locate this account anywhere, and it still shows on my credit file. I have submitted XXXX disputes to close this account on XX/XX/XXXX and XX/XX/2021 because Im sure someone did some type of fraud with my information. This account shows as open on my credit file with great payment history but I havent made any payments since I have no access to it. An account number was never provided, no info was ever provided. They keep sending me emails that I have to make payments for an account that cant be located in their system and was charged XXXX $ without me ever receiving a card. I have called Barclays more than 10 times in the last 6 months and nothing has been resolved. I have good credit that I worked very hard to build and I dont want this to ruin it. I dont understand how it can appear in my credit file but yet they cant locate it with my Social Security XXXX or any of my information. Please help.