davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (FL)

I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate accounts on my credit reports reported by Cavalry Portfolio Services Collection for account number XXXX by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and to XXXX. To date, I have not received any compliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. This account does not belong to me. I have no knowledge of this account. Unauthorized opened account. To date, Cavalry Portfolio Services collection is reporting false information to my credit bureaus.
Consumer complaint received 2023-02-05
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. (FL)

I have contacted Transunion Multiple times, explaining I have inquiries in my report that I haven't authorized and are violating my rights and the fair credit report act law. [ 15 U.S.C. 1681a ] ( 2 ) ( b ) the term consumer report does not include. '' any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Transunion has been answering that the inquiries have been investigated and verified without providing documents that the inquiries have been verified, violating [ 15 U.S.C. 1681a ] ( 2 ) ( e ), which states, " The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. '' and 1681a ] ( 2 ) ( f ) which states The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. Transunion has sent me multiple letters telling me to verify the inquiries with the agencies reporting them and refuse to take responsibility for violating my privacy and using my information with other agencies without authorization. Failure to respond satisfactorily within 30 days of receipt of the certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for defamation, negligent enablement of identity fraud, and violations of the fair credit reporting act.
Consumer complaint received 2023-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 
Account name : XXXX XXXX Account number : XXXX Account name XXXX XXXX Account number XXXX 15 u.s.c. 1681 section 602 A. Section 2 : it states I have the right to privacy 15 u.s.c 1681 section 602 A.also states a consumer reporting agency can not furnish a Account without my written instructions
Consumer complaint received 2023-02-01
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. (NV)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2023-02-01
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. (NV)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2023-02-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Smith Debnam Narron Drake Saintsing & Myers LLP (NC)

This complaint covers 6 violations.

This complaint covers 6 violations and disputes as listed. 

XXXX has violated the FDCPA laws multiple times in their collection efforts of a outstanding XXXX account in both their reporting of derogatory information on my credit files and in their collection techniques of this XXXX account XXXX Company and their Smith Debnam have conspired to harass me and impress me with many violations against North Carolina laws and Federal laws. 

XXXX. XXXX XXXX willfully and intentionally reported ghost payments to the credit bureaus three months in a row in a direct attempt to sabotage the time period of that account automatically dropping off of my credit files. 
See attached for evidence. 


XXXX. XXXX XXXX and their attorneys at Smith Debnam in North Carolina are harassing me sending me multiple letters with multiple amounts and will not leave me alone. 

XXXX. XXXX XXXX keeps removing account under dispute contrary to Federal laws And further claiming that they have resolved the issue which are false representations again! 

XXXX. I am filing complaints Again with multiple agencies tomorrow and seeking an FDCPA attorney to take action. 

XXXX. I dispute this account XXXX XXXX here and now # XXXX and will notify the credit bureaus if i feel it has been satisfactorily resolved. 

XXXX. I demand that XXXX XXXX and Smith Debnam quit harassing me about all of these different amounts and oppressing me as it is causing me to enter deep XXXX and mental  anguish.
Consumer complaint received 2023-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate accounts on my credit reports reported by Midland Credit Management XXXX for account number XXXX by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and to XXXX. To date, I have not received any compliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. This account does not belong to me. I have no knowledge of this account. Unauthorized opened account. To date, Midland Credit Management Collection is reporting false information to my credit bureaus. Therefore, I expect this account will be removed from my credit files immediately. Thank you for your prompt attention to this matter.
Consumer complaint received 2020-08-25
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. (NV)

I realized I have many accounts, phone numbers, names, addresses, and socials on my credit report that do not belong to me in XX/XX/2020. I filed a police report and disputed it all with all three credit bureaus. They have not reached out to me about the investigation or when the accounts will be removed,
Consumer complaint received 2019-02-21
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Diversified Consultants, Inc. (IL)

This company is not licensed in Illinois to collect on a debt. The Illinois collection agency act ( XXXX ) requires that all debt collectors must have a license before being operational. The law also has a clause that regulates how a debt collector contacts a person and how they can communicate with them.
Consumer complaint received 2023-02-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion is attempting to continue to violate my rights as a consumer with stall tactics in removing charge off accounts which are defined as income by the irs. Ive submitted with my previous complaint the last 4 digits of my social, proof of address, and my id along with evidence showing them the violations and my demand to remove them from my consumer report immediately. They sent me a letter refusing to investigate the clear violations until I send the information that Ive already added to this complaint. 

I have several accounts on my consumer report showing as charged off. According to the IRS charge offs are defined as income and are filed on a 1099c. It is illegal to furnish income on a consumer report. Therefore this is a clear violation and all accounts showing as charged off need to be deleted immediately. A charge off can not be considered both income and debt. It is also illegal to deny me my right to privacy. I have addresses listed on my consumer report which I've disputed several times that I have no access to.
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

The following credit inquires have appeared on my credit report with my knowledge or written consent. Please remove these inquires from my credit report as soon as possible. I have filed a report with FTC which is attached to the complaint. 

Please remove the following credit inquires : XXXXXXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX
Consumer complaint received 2023-02-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (PA)

On XXXX of XXXX  made an online purchase for sneaker at XXXX XXXX XXXX with shop affirm payment option to pay every month. The company closed its door and never sent the order but took money from Affirm. Shop Affirm took the 1st payment of {$26.00}. on XX/XX/2022 has been trying to take payment every month. The company did not cancel the order or send the funds back to affirm I have called shop affirm about this issue and they stated its nothing tht they can do but I dont understand why do I need to pay for the order I didnt get. I looked the company up on the XXXX  and they have a lot of complaints about them not sending the orders. The company I ordered from was XXXX XXXX XXXX I set up a payment plan with shop affirm to make payment every month. Went on their XXXX  page and the owner stated no orders will be sent out all orders are cancel. I did move research and found out the owner first name is XXXX. I have left messages and sent emails nothing no response.
Consumer complaint received 2021-02-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (NJ)

My vehicle was repossessed in XX/XX/XXXX. At that time I tried to pay the full past due balance to redeem my vehicle but Ally would not allow it. At the time I filed a complaint with the CFPB XXXX because my vehicle was repossessed prematurely and because they were not using my mailing address as requested I did not receive the repossession warning notice. Mysteriously, all my monthly statements were going to the correct address but the only repossession notice sent, went to the address on my original loan application. Ally refused to allow me to redeem my vehicle without paying the entire loan in full, as evidenced in their response letter to the CFPB. On XX/XX/XXXX I wired them {$18000.00} which was rounded up, as they gave me {$18000.00} and some change. I called an hour before I wired the money to confirm with the redemption department as every time I called the figure kept changing. I redeemed my vehicle on XX/XX/XXXX. They XXXX XXXX me the title and said I had to sign it back over to them or re-register it again because my car was just about to be sold and the title was taken out of my name. They said as soon as my account closes out they would mail me the title and that it would take 45-60 days. Since then they have refused to give me my title and have claimed that I still owe them money and have been reporting negatively to the credit bureau. I called a few times trying to rectify the issue but everyone I speak with says there's a balance but can't explain why or how the amount changed in 1 hour from the time I called to the time the funds were wired. In XXXX and XX/XX/XXXX I tried calling to see if I could get this taken care of again but with no luck. In XX/XX/XXXX when I logged into my online account it said the Total Due was {$140.00}, the Total Payment Due was {$1000.00} and the Next Due was {$170.00} on XX/XX/XXXX. When I logged on inXX/XX/XXXX and requested a payoff figure it said I owed {$240.00}. I received a letter on XX/XX/XXXX stating I owe {$470.00}. And as of XX/XX/XXXX they are reporting that my account is Derogatory and that I owe {$230.00} clearly there is an error.
Consumer complaint received 2019-06-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Protection Association, L.P. (TX)

This company continues to call/send demanding notices to me. I feel threatened as this woman just told me I am refusing to pay and that another amount would be added to the balance. And that I should pay my debt and made what seemed like some threatening comment afterwards. I advised her that was not my worry at the moment and I had nothing else to say. I am being harassed day and night via mail and/or calls. I received a one page document that does not state they are a debt collector. 

This company does not have a surety bond in the state of Texas to collect, which is required. Yet, they continue to attempt to collect and violate Texas law. I filed a compliant against this company with the Texas attorney generals office. I am also seeking a class action lawsuit with my attorney due to the XXXX, XXXX and XXXX  XXXX and XXXX this is causing me as a XXXX a patient awaiting XXXX. Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. 

Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line or not place it on my report altogether if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files.

I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctiv
e relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ).
Consumer complaint received 2023-02-07
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. (FL)

XX/XX/23 I submitted a XXXX  written request notifying XXXX  that these accounts need to be removed since they have not been verified by experian. I Have not received any written documentation from XXXX  verifying any of these accounts. I contacted these creditors and I was notified that they did not send in any documentation verifying any of my personal information for these account. XXXX has settled on a recent lawsuit for there lack of investigation with consumer reporting. I believe I am a victim to this case.
Consumer complaint received 2023-02-01
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. (AR)

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX FORMERLY XXXX XXXX Balance {$21000.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you.
Consumer complaint received 2019-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MI)

When I attempt to access my Equifax credit report online to dispute errors, I am asked a number of questions, which are always inaccurate, so I select none of the above, which results in my being told that the info doesn't match what's on file, hence the need to dispute. Calling the company yielded no help whatsoever. I've requested a hard copy three times and have never received one.
Consumer complaint received 2023-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (WA)

Comenity Bank issues XXXX XXXX XXXX XXXX. I had a payment due of {$2900.00} in XXXX. I made the payment through my bank ( XXXX XXXX XXXX ) with plenty of time before the due date. I have a screenshot showing that the payment was received on XX/XX/23 and removed just after ( same day ). They claimed on the XXXX of XXXX that no payment had been made. I called the credit card company, my bank, the credit card company again, and attempted to resolve the situation. I ended up putting a stop payment on the XXXX of the check that had already showed it had been processed, and then disappeared from the statement. The credit card company then sent me a second bill for the new charges, plus the original charges of {$2900.00}. I made this payment via personal check which I took to the post office on the XXXX of XXXX for a total of {$7400.00}. This was the bill minus the finance and payment charges ( total of {$100.00} in fees ). Then they charged me the {$100.00}. ; XXXX plus additional charges and stop payment fees, for a total of {$310.00}. I paid this amount in full when I received it. I just received another message from the bank on XXXX stating that my payment was due by XXXX. The payments all show as credited on their system as of XXXX, and all monies have been taken out of my bank. This took a few weeks to resolve with a lot of stress and concern, and XXXX has been less than helpful. I wasn't able to talk to anyone at the bank, only the call center. And I know that a few people I know have been going through the same issue with lost payments.