davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

Disputed Debt and Lack of Proper Validation : PRA claims to have received documentation from Synchrony Bank regarding this account, but I have not received any valid proof confirming that I owe this debt. Under the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ), I am entitled to proper debt validation upon request. PRA has failed to provide this, and I am formally demanding that you provide the documentation that proves I am responsible for this debt.

Violation of Fair Credit Reporting Act ( FCRA ) : PRA has inaccurately reported this debt to credit bureaus, negatively impacting my credit score. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), PRA must ensure the accuracy of any information reported. Reporting this disputed debt without verifying its accuracy is a violation of my rights under the FCRA. Until PRA provides valid proof of this debt, I request that you immediately remove this account from my credit report.

Privacy Act and Identity Theft Concerns : The account in question was opened without my knowledge or authorization, and I have reason to believe that this could involve identity theft. PRAs use of my personal information without proper verification constitutes a violation of my privacy rights under the Privacy Act and the Gramm-Leach-Bliley Act. I request that PRA thoroughly investigate this potential identity theft and provide documentation that supports the legitimacy of the account. If no such documentation can be provided, the account should be immediately removed from my credit file.
Consumer complaint received 2021-11-11
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. (GA)

I called Equifax XX/XX/21 at XXXX to inform them that they've been violating my XXXX rights under the FDCPA! I was transferred to Supervisor XXXX in the Dispute department. I told XXXX that Equifax is in violation of 15 USC 1681b ( c ) 2. I demanded they remove the adverse items on the report/file. XXXX refused my demand as an consumer and even denied me an opportunity to address my concerns to another acting manager! I recorded this conversation! I sent the CEO a letter about this fraud, it was sent certified mail XX/XX/21. This XXXX feels hopeless as a consumer with these forces working against me. Whether it maybe by mail or on the phone, Im being violated according to FDCPA and seek ALL protections provided to a consumer by law.Please allow me to share the audio of the conversation and publish it as well. May God bless all those that may read this affidavit.
Consumer complaint received 2022-06-21
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1692C A Section 1 : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock antemeridian and before XXXX oclock postmeridian, local time at the consumers location. 

The debt collector has communicated with me without my express permission, it has furnished my account without my written instructions and has violated my privacy.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2021-11-11
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: CMRE Financial Services, Inc. (CA)

CMRE FINANCE Original creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX Balance Owed : {$610.00} 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 about 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. Below are the lists of the erroneous accounts reporting on my Credit Report : CMRE FINANCE Original creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX Balance Owed : {$610.00} ; CMRE FINANCE Original Creditor : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$830.00} ; CMRE. XXXX Original creditor : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$310.00} ;
Consumer complaint received 2022-09-24
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. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's 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, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSWORLD SYSTEMS INC (PA)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX Laws Dear TRANSWORLD SYSTEMS INC, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), particularly under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), along with XXXX  identity theft and consumer protection laws.

It has unequivocally come to my attention that TRANSWORLD SYSTEMS INC has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). Additionally, XXXX laws protect consumers from unauthorized use of personal and financial information. Under XXXX Identity Theft Statute ( 18 Pa. Cons. Stat. 4120 ), it is illegal to use another person 's identifying information without consent, which applies to unauthorized reporting of credit information. 

I assert with unwavering certainty that I have not provided consent for TRANSWORLD SYSTEMS INC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that TRANSWORLD SYSTEMS INC immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and XXXX relevant identity theft and consumer protection statutes. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including XXXX identity theft laws. 

Obtaining consent is not discretionary but a legal obligation under these specific sections of the FCRA and XXXX state law. This is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that TRANSWORLD SYSTEMS INC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2022-09-24
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. (FL)

I previously disputed this public record with TransUnion, I dont recognize this public record. Please send me PROOF FROM THE COURT OF THIS PUBLIC RECORD, I DONT AGREE WITH THE RESULTS OF YOUR INVESTIGATION. PLEASE MAIL ME PROOF OF YOUR INVESTIGATION AND VERIFICATION OF THIS RECORD FROM THE COURT, OR DELETE THIS PUBLIC RECORD. TO DATE TRANSUNION HAS FAILED TO DO SO, TRANSUNION IS IN VIOLATION OF 15 U.S. CODE 1681 s- 2 ( b ) I have provided proof from the court that TransUnion failed to investigate the following account : Account Name : XXXX BANKRUPTCY/ Docket Number : XXXX. IN FACT THE DOCKET NUMBER TRANSUNION PROVIDED IS INVALID XXXX DOES NOT EXIST.
Consumer complaint received 2021-11-11
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: EQUIFAX, INC. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon analyzing my updates, the inaccurate information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the inquiry that is still reported on my Credit Report : XXXX XXXX XXXX XXXX , XXXX- Inquired on XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (PA)

I have not checked my credit in over 6 months and when I get back on look at it, I see a {$1500.00} accountant is now in collections. It looks like some type of medical bill but I havent been to any hospitals in the year 2022. This has to be some type of identity theft so I disputed it on XXXX and it came back Verified and Updated nothing really changed except it changed some dates on missed payments. 

This is very heartbreaking because I have a maintained a flawless payment history with anything that I utilized my credit with and now I cant get a loan to buy the house I have always wanted for my mother.
Consumer complaint received 2022-06-21
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX / XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, Public Record : XXXX XXXX bankruptcy filing Docket Number 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.
Consumer complaint received 2022-01-05
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (OH)

I am the XXXX for my father 's estate. We provided that info along with his death certificate. XXXX still demanded to speak to my deceased father and requesting his signature. He passed in XXXX of 2021 We just need a pay off amount on his home which we have sold almost a month. 

I also have my lender trying to get this info from them as well and no luck.
Consumer complaint received 2021-11-11
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: CBC Companies, Inc. (GA)

I would greatly appreciate these items being removed immediately from my credit reports as these items are inaccurate anI noticed these fraudulent inquiries on my XXXX and XXXX credit reports and I've disputed them several times with the companies and XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. Hard Inquiry Date XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Factual Data XX/XX/XXXX Factual Data XX/XX/XXXX XXXX/XXXX XXXX do not belong to me. Thank you.
Consumer complaint received 2022-07-16
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. (TX)

The Experian Credit Bureau is reporting a different information from the other bureaus. The account XXXX XXXX XXXX Balance : {$3000.00}, was never late and I always make my payments on time. This account is only reporting as late in Experian Credit Bureau. If Experian 's record keeping had been accurate, this account should have never been late. The Experian credit bureau is required to authenticate this account under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account. Per FCRA, reporting of account information must be accurate ; I need this account updated immediately.
Consumer complaint received 2023-02-26
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: EQUIFAX, INC. (IL)

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 - XXXX XXXX XXXX XXXX Account - XXXX XXXX XXXX XXXX The Following Inquires are a violation of my consumer rights : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The following addresses are also in violation of my consumer rights : Address 1 :XXXX XXXX XXXX In XXXX Address 2 : XXXX XXXX XXXX AR XXXX The following alias listed on my credit report are a violation of my consumer rights : 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 168s-2 ( A ) ( 1 ) - Responsibilities of funishers of information to consumer reporting agencies.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. 

I have also filed an identity theft report with the Federal Trade Commission on XX/XX/XXXX, XXXX, report number # XXXX
Consumer complaint received 2021-11-11
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: TRUIST FINANCIAL CORPORATION (GA)

I noticed these fraudulent inquiries on my XXXX and XXXX credit reports and I've disputed them several times with the companies and XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. Hard Inquiry Date XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX Suntrust XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX MORTGAGE 30 DAYS LATE IN XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX and 60 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX
Consumer complaint received 2022-05-26
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. (TX)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.