davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-14
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. (IN)

Subjet : Removal of Collection Account. 
To whom it may concern, I am writing to formally dispute a collection account appearing on my credit report which is being reported by XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I am exercising my rights under the FCRA law, specifically the provisions outlined in Section 611 regarding the accuracy of the information. Upon reviewing my credit report, on XX/XX/year>, I noticed the presence of an account in collection status.I have never entered into any contractual agreement with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and I did not authorized or gave my consent for them to act on my behalf in any financial matter. This claim is erroneous. I am requesting Experian to provide me with the complete documentation they received from XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX regarding this alleged debt and a signed contract with my signature on it. If Experian can not produce the information to verify the collection, Experian shall remove the disputed accounts from my credit report. I never received any goods or services from them and this violates the provisions of the FCRA law. I was told by Experian every was complete and accurate. I said, " how was that possible when I didn't know how Experian verified the accuracy and completeness? I did not received any documentation of the investigation process as I requested. I don't know how they did their investigation. I asked Experian to modify, update or delete disputed accounts. Nothing was modified when I checked my credit report. Since Experian did not fix or delete these accounts, I have requested Experian to send me a full and complete file disclosure of the investigation process. A credit report is not a file disclosure. Which is a violation under the FCRA law. I was told to call in to dispute any inaccurate information on my credit report. I was told I couldn't dispute over the phone. So I got hung up on. Another violation of my rights under the FCRA law. I have sent all the proper documentation Experian has asked for to remove these accounts from my credit report. Experian has violated my right to privacy and a consumer reporting agency can not furnish a account without my written instructions under the FCRA law. Another violation under the FCRA law. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-12-02
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2023. I received a notification via the XXXX app stating that my credit report was obtained. 
These inquiries are going to have a HUGE NEGATIVE impact on my credit score. 

I need these companies to tell me why they ran hard inquiries on my credit. 


I did not give these companies the authorization to run my credit. 


Who gave you the authorization to run my credit? 

Please provide me with the documents proving you had my authorization to run my credit
Consumer complaint received 2017-08-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Recovery Solutions Group, LLC (PA)

I was contacted last week by a Recovery Solutions group, with XXXX XXXX being the contact. I returned the call and she immediately begins speaking to me very rudely about a debt I supposedly owe, and threatened that they would be placing a lien on my house that Friday if I did not pay almost {$4000.00}. They claimed they had a signed contract and MPN that stated I agreed to pay this debt. When I asked for verification of this, XXXX XXXX hung up on me. I called back repeatedly and was sent to voicemail. I kept calling and she eventually answered, stating that she was " trying to find someone to help me '' but could not even answer my intital questions. I was later told I needed to pay this debt by that Friday or my house would have a lien placed on it. I kept asking for verification and was not given any. I was then connected wit " XXXX '' who was also very rude and told me that there was nothing he could do, a lien would be placed on my property and that would be the end of it and I was wasting his time and hung up on me. He then emailed me, sending me a contract supposedly signed by my husband that was dated XX/XX/XXXXwhen we had no work contracted by anyone from XXXX. He provided me nothing with amounts, or who I even owed or any further information than that. I demanded that they no email my husbands work email address, yet they continued to do so. They ignored my requests for verification of the debt. I sent a certified letter on XX/XX/XXXX, demanding these items and asking only to be contacted in writing through the mail. I received an email from XXXX XXXX today stating that she was not obligated to provide me with the items to verify this debt as she was not trying to collect a debt yet on her same email it stated " this is an attempt to collect a debt '' and the letter that I received also stated I had 7 days to dispute the debt and that they were attempting to collect. They also contacted my husband 's work email despite my request they do not. They also continued to contact me in writing via postal mail, and then email me. They have lied and used threatening and abusive language, and have threatened to pursue legal action against a debt they refuse to verify and claim they are not subject to the FDCPA. The contract they have been sending is from a date that I have disputed there was no work done to my house, yet they have not sent me any proof of anything that they are claiming
Consumer complaint received 2022-10-27
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$0.00}
Consumer complaint received 2023-07-07
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. (FL)

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. Or 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 2017-08-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance Collection Agencies, Inc. (WI)

XX/XX/XXXX was my first dispute with the collection agency. I sent a letter XX/XX/XXXX requesting information that proves I owe the debt. I asked for documentation with my signature of the alleged debtor where I promised to pay the original creditor. I asked for a complete payment history on this account, copies of any papers that showed I agreed to pay what they alleged I owe.On XX/XX/XXXX they sent me a validation letter with a generic itemize bill with procedures and charges. They also stated saying that my name and address was correct and the debt belong to me. I sent another letter XX/XX/XXXX stating that they had fail providing me with satisfactory proof and information that I owe this debt. They could not prove I owe this debt and was asked to stop reporting to the credit bureau. I believe the documents that were sent to me is a Hippa violation.
Consumer complaint received 2015-12-18
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (WI)

Paid my bill on time with a cashiers check and was told the payment was " returned '' a week after it was " returned ''. After numerous attempts to navigate the XXXX a phone maze to talk to someone at American Express they were of no help. Tried calling four times and was knocked off the line each time for a total time on hold of 2 hours. HOW AM I SUPPOSED TO PAY MY BILL IF NO ONE WILL TALK TO ME?
Consumer complaint received 2022-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX XXXX. I am writing in regards to my credit report. Information listed in file has been listed incorrectly. In response to these incorrectly listed items I am asking that they be deleted. I am a victim of identity theft and I did not make these changes. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies Federal Trade Commission 's Identity Theft Affidavit. Please delete these items as soon as possible.
Consumer complaint received 2022-03-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: United Accounts, Inc. (ND)

In XXXX, which I would've been a XXXX Three years ago in XXXX, I had gotten a letter from collections letting me know that I had a medical bill from three years prior at the XXXX ( which I was under my parents insurance ) and that it had gone into collections. I had no recollection or warning of this bill. I had tried to dispute it in XXXX but had obviously gotten nowhere. I am willing to pay it but it will still be on my credit report which I am having issues with going forward with a loan at the moment. I would very much appreciate if I could get some answers back. Thank you.
Consumer complaint received 2017-08-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (PA)

XXXX XXXX, consumer had in collections, was about to expire, due to debt being 7 years ago, when a new credit bureau picked up and began seeking action. Consumer was in the process of buying a home, and this impacted my credit in a negative way. Consumer settled debt, and now company is not removing from credit profile asking requesting by consumer.
Consumer complaint received 2022-08-30
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: Experian Information Solutions Inc. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Im writing this letter to inform your department that I was the victim of identity theft. Per Fair Credit Reporting Act Section XXXX ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer.If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block this account I will be referring this matter to my attorney for further action. Please do not make this a litigious matter Please note that you have XXXX business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX Date XXXX XXXX XX/XX/2013 Balance : {$2900.00}
Consumer complaint received 2022-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Hello my name is XXXX XXXX XXXX XXXX, I am writing in regards to the information incorrectly listed on my file. I am requesting that these items be deleted. The items I am requesting attention on are listed in the report. I am a victim of identity theft and did not make these changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-08-17
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. (FL)

They basically told me that the hard inquiries need to be removed from creditors that they authorized them i explained that i never requested the hard inquiries or credit pulls from those dates mentioned but they stated that they will eventually after a year or so will be removed on there own and i wish to have all the hard inquiries from the time period of XXXX XXXX 2017 until XXXX XXXX 2017 removed ASAP from XXXX, Experian, and XXXX Thanks
Consumer complaint received 2022-10-27
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. (CA)

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$3600.00} ; XXXX XXXX XXXXXXXX Balance : {$900.00} ; XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$9900.00} ; XXXX XXXX  XXXX Balance : {$47.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXXXXXX XXXX XXXX : {$58.00} ; XXXX XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI XXXX XXXX EQUIFAX MORTGAGE SERVI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-27
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. (CA)

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 XXXXXXXX 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 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 2024-04-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2024, a total of {$130000.00} was wired out of my bank accounts with Chase Bank in New York without my authorization. I never send wires for more than a few XXXX dollars. I was not notified or warned by Chase. Usually they send an email advising when a wire transfer is made. This did not happen. I was the victim of a scam. However, I did not disclose any information as the scammers were already inside my account. All I did was provide a verification code. Chase subsequently closed the online access to my account and I had to set up a new username and password. To my immense horror, Chase had no interest in pursuing a serious investigation. Apparently the other banks who received the funds were also not interested in following up. Chase has insurance, they could reimburse me but they won't. I have no recourse. Their only response were some messages uploaded to my bank account online. The indifference and callousness is glaring. Their flimsy security systems allowed this fraud to occur and now they have no liability? Whatever is in the fine print which, let 's face it, you have to sign if you want to open a bank account, should not PROTECT them from liability. They must refund stolen funds to innocent clients and must devise better protection. They failed to alert me. At the age of XXXX, I have lost a huge amount of money. Further, XXXX, with whom I have had an account for years, is not responding to my CLAIM. I HAVE SPENT HOURS TRYING TO GET THROUGH TO SOMEONE HOW CAN HELP ME TO NO AVAIL.
Consumer complaint received 2022-10-27
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. (CA)

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 XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX, 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 XXXX 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 2022-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft.I 've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 


Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XXXX XXXX, 2006 Balance {$8100.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on some account is DELETED from other bureau and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.