davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have downloaded the entire history of my student loans from the XXXX XXXX XXXX XXXX XXXX ( XXXX ). XXXX XXXX is not listed on there at all. I have never had a XXXX XXXX loan, I have never cosigned a XXXX XXXX loan. 
I had no idea they were lying until I filed for XXXX and was told I didn't qualify because I have no loans in default, arrears, or charged off. They immediately got me in contact with XXXX who told me I have never had a XXXX XXXX loan. 
I then filed for, and was approved for, XXXX which took exactly XXXX minutes to consolidate all my loans over to XXXX, and receive confirmation. 
I was finally able to get a download of the list of every single one of my student loans I have ever had in my life from XXXX, and XXXX XXXX is nowhere on there, just like they told me on the phone. 
This is fraud. It needs to be removed immediately.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX, XXXX and Transunion has violated my rights by reporting unverifiable public records on my consumer report ( Reference XXXX XXXX XXXX XXXX XXXX  ) Per the FCRA 623 ( a ) ( 5 ) : If the credit bureaus can not VALIDATE the information with the original creditor, they must remove said information from the consumer file. The original creditor in this case would be the U.S. BANKRUPTCY COURTS. The bankruptcy courts mailed me a letter stating they DO NOT provide any information to the credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX XXXX has provided documentation that it could not validate this public information and has been deleted from their database in XX/XX/2022. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. 
Public records information is NEVER validated by the Recorder of Deeds nor the U.S. Court System due to the Fair Credit Reporting Agency Privacy Law. XXXX Transunion or XXXX never validated or verified these public record entries on my credit report. XXXX stated they verified with XXXX XXXX the accuracy of this public record in XX/XX/2022 and my XXXX XXXX consumer report shows that information doesnt exist. This proves that XXXX as well as the other credit agencies did not perform a true and honest investigation.This is unfair to me as a consumer and I need any and all of the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report IMMEDIATELY as it is not verifiable and is causing extreme damage to my financial future. As such, if this unauthorized information is not deleted from my credit report within the next 5 days, I will be filing a complaint to the Federal Trade Commission and my State Attorney Generals office. Failure to respond in a satisfactory manner within 5 days of receipt of this complaint will result in a small claims action against each credit reporting agency. 
I will be seeking {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligence Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.
Consumer complaint received 2022-09-13
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 — Investigation took more than 30 days
Company: AMERICAN EXPRESS COMPANY (AZ)

American Express has been reporting inaccuracies on my consumer credit profile ever since the month of XX/XX/2022. They have been reporting that I am 30 days late with XXXX and XXXX in the months of XXXX and or XXXX, actually, it would change between the two months on my consumer profile which is severely a direct violation. I had sent over validated proof of my payments by furnishing my bank statement to American Express in regards to it the inaccurate erroneous reporting. I have recordings from American Express stating that they were going to update my consumer credit profile with XXXX and XXXX on the date of the close of my statement of last month which was XX/XX/2022. To my surprise on XX/XX/2022, when I was speaking with a XXXX representative it was updated on my profile that my account with American Express was at the time current and never late. Fast forward to XX/XX/2022 the report was now reflecting only with Transition 30 days late payment in the month of XXXX that is a violation of the it is a violation of 15 USC 1692 G. The FDCPA Act, which entitles me as a consumer to be forewarned, have a warning that any any damaging negative information that will be reported on my customer report should be sent to me five days prior to appearing on my consumer report. American Express has failed to do this in regards to my account. Also, too, they have failed to update the information with all of the credit reporting agencies so on XX/XX/2022, not to mention have never accredited my account the XXXX payment that I made as well it hasnt reflected in the balance at all. I sent over documentation of bank statements as well as other information that I did make my payment in a timely manner and that this information is erroneous and accurate on consumer reports and it needs to be deleted and updated as current never late. I have a recorded phone call from American Express stating that my account has been current and never been late. So the only way to get this rectified is for them to update the information immediately on my consumer credit profile immediately.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Ghidotti | Berger LLP (FL)

XXXX XXXXXXXX XXXX XXXX XXXX, XXXX California XXXX XXXX XXXX ( XXXX ) XXXX filed for collection of XXXX XXXX under identity theft in XX/XX/XXXX and there was collection of over XXXX of fraudulent lien filed against my property in XX/XX/XXXX by Ghidotti and Berger on behalf of fraud. 

I filed further complaints and showed CFBP filed action against XXXX XXXX for conspiracy to fraud unsuspecting victims with identity theft fraud loan schemes. 

On XX/XX/XXXX the CFPB filed action, orders and enforcement with injunctions against XXXX XXXX  and XXXX XXXX and Ghidotti and Berger law firms have obstructed justice by ignoring orders under racketeering and organized financial crimes after the fact and as accessory to XXXX XXXX facilitation of fraud, with stipulated agreements to refrain from any collecting from victims of fictitious loan scheme. 

I reported back to CFPB and the company denied they were correct company to contact in fraudulent misrepresentations after the fact.
Consumer complaint received 2022-09-14
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: Experian Information Solutions Inc. (IL)

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX and XXXX. This has caused me tremendous anxiety, stress, and financial hardship.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % 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. XXXX XXXX XXXX Date Opened : XX/XX/2011 Balance : {$4200.00}
Consumer complaint received 2022-07-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation (MA)

Fortiva card XXXX Card was charged XXXX last year approximately around XXXX of 2021 XXXX XXXX in XXXX XXXX  Excepted the charge on my account for the amount above.
Consumer complaint received 2023-04-13
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. (GA)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (GA)

When I applied for this RCI/Barclays Bank credit card on XX/XX/XXXX, it was with the understanding that I would receive a {$50.00} credit off my transaction of XX/XX/XXXX with RCI ( {$150.00} total transaction ). I have received and paid a bill from Barclays since that time and have not received the credit. I spent almost a half hour on the phone with Barclays on XX/XX/XXXX, who finally told me to contact RCI. RCI had told me to contact the credit-card company when I called them earlier. Credit card number is XXXX XXXX XXXX XXXX issued to XXXX XXXX. The description of the card is RCI Elite Rewards World Mastercard. I am authorized to deal with the issuer on this card.XXXX XXXX XXXX
Consumer complaint received 2022-07-15
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (TX)

Did not receive any notification of this payday debt until now. It dates back to XXXX. They r asking for {$1600.00}. It was from XXXX. My question is why did i.not receive any late notifications. It's over 5 years ago. I seem to remember that I had contacted a firm which deals in illegal payday loans and they advised me not to pay. Unfortunately can not remember the firm 's name. I see now that this collection agency has it on my credit report. My husband recently passed away from complications due to XXXX. I can not afford any more payments at this time. Can u please help me. The name of th he collection agency is Debt Recovery Solutions. I'm suppose to respond by XX/XX/XXXX XXXX
Consumer complaint received 2022-09-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: International Computer Systems, Inc. (AR)

In response to your correspondence, YOU ARE IN VIOLATION OF 15 USC 1692c due to the fact that you did not receive written/verbal consent from me XXXX XXXX the consumer. 
Pursuant to 15 USC 1692g You did not VALIDATE the debt.

You are in VIOLATION of 15 USC 1692f ( 8 ) Your Logo is enclosed on the debt collection letter You Are in VIOLATION OF 15 USC 1692 due to violation of my privacy You are in VIOLATION of 15 USC 1692b ( 2 ) for stating that you are IN FACT A DEBT COLLECTOR You are also in VIOLATION OF 15 USC 1692e ( b )
Consumer complaint received 2022-07-15
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: CNG FINANCIAL CORPORATION (AZ)

I received a notification on XX/XX/2022 that a new account appeared on my XXXX  credit report. The account is an installment loan from Axcess Financial/ Check N Go. The installment is in the amount of {$2500.00}. The account was opened on XX/XX/2022. I believe it is my father who opened the account in my name, as he has stolen my identity before.
Consumer complaint received 2022-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams, Rush & Associates, LLC (LA)

I didn't not sign a contracting agreeing for my creditors to sale my debit to a third party. I never did business with company saying I ow them money. They don't have the legal right to collect on debit. They never gave me a service. I need Williams associates to show me proof I ow them money. Needs to be removed off my credit score immediately. Never received a debit validation letter. It's hurting my credit score defamation of character. Stopping me from getting a house charging me higher interest rate this is extortion fraud I don't ow them money have no legal right to collect on debit don't ow them fair collection report act no illegal proof.
Consumer complaint received 2022-07-14
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: SYNCHRONY FINANCIAL (UT)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am submitting this formal dispute regarding an alleged debt that Portfolio Recovery Associates claims I owe. I received a notice from Portfolio Recovery Associates concerning this debt, but I believe this claim is either inaccurate or lacks sufficient verification. 

I have attached a debt verification letter to Portfolio Recovery Associates, requesting detailed information to validate the debt, including : 1. Proof of the debt and detailed breakdown of the amount owed including the complete payment history. 

2. Date of last activity 3. My full, complete and correct social security number that may help to identify me as the correct person you are trying to collect from.

4. Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor.

5. Verification of Portfolio Recovery Associates ' legal authority to collect this debt. 
- obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim that I owe. 

6. Proof of photo identification ( i.e. drivers license, state identification card, or other government issued card ) that was presented to you at the time of agreement. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request this information before any collection activity continues. 

I respectfully request that the CFPB assist me in resolving this issue, ensuring that Portfolio Recovery Associates ceases all collection activities until the debt is properly validated. Additionally, I request that any adverse reporting related to this alleged debt be removed from my credit report until full validation is provided. 

Thank you for your time and attention to this matter.
Consumer complaint received 2024-10-29
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. (SC)

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of c
onvictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2022-07-13
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. (CA)

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 this account ( A ). It is not permissible to fail to validate this 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 correct XXXX XXXX XXXX
Consumer complaint received 2022-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CL Holdings LLC (NY)

Jefferson Capital Systems LLC has been calling and harassing me about an alleged debt that I owe from XXXX. I asked about the original creditor and information regarding the alleged debt and asked for a debt validation letter with my wet signature stating that I have a binding contract making me indebted to Jefferson capital. And I asked them to send it to the address they have on file. Which Im sure they sent out a letter but the debt is in Texas And I do not live in Texas I live elsewhere and they are unable to send me the contract. They said the debt was for $ XXXX but are unabated to provide a contract between me and Jefferson Capital . They have also been calling me non stop and the representative even stated that they threatened to report it to the credit bureaus and damage my credit which they have and violated my right to privacy as well as XXXX selling off my personal information without written permission under XXXX.