davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-06
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: Resurgent Capital Services L.P. (NY)

I contacted LVNV FUNDING LLC ON XX/XX/year> requesting a debt validation letter and they in return sent me a letter showing how much is owed and who holds the account in their office. Someone named XXXX XXXX did not acknowledge the debt validation letter or send out the information. 

Under the FDCPA debt validation letters are governed by the FDCPA, specifically 15 U.S.C. 1692g, This section of the FDCPA outlines the debt validation process, which requires debt collectors to provide verification of the debt when requested by the consumer. Here 's how it works : Right to Dispute : Under 15 U.S.C. 1692g, when a consumer receives an initial communication from a debt collector, they have 30 days to dispute the debt or request validation.

Debt Validation Letter : Once the consumer disputes the debt in writing, the debt collector must provide a debt validation letter that includes details about the debt, such as : The amount of the debt. 
The name of the original creditor. 
Verification that the debt belongs to the consumer.

Suspension of Collection : During this period, collection activities must cease until the debt is validated.
Consumer complaint received 2022-06-07
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: Experian Information Solutions Inc. (PA)

Sent multiple letters from XX/XX/XXXX to XX/XX/XXXX specifying accounts I saw on my report that are not mine and erroneous information was not deleted. Got no response at all after XX/XX/XXXX letter.
Consumer complaint received 2022-06-07
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)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 1 5 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 2022-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2022 I sent a letters XXXX and TransUnion credit reporting. 

The Credit bureaus stated Account XXXX : XXXX XXXX Account # XXXX was properly investigated but how is this possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for a removal. They also violated my rights under 15 U.S.C. 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions I haven't given these accounts written permission to furnish these accounts on my credit report
Consumer complaint received 2022-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my XXXX CFPB Complaint informing the Credit Reporting Agencies that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit reporting Agencies are require to remove/block any account which was 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. I am submitting this complaint to request that the Credit reporting Agencies remove the following items compeletely from my Credit Report ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX Balance Owed : {$17000.00}
Consumer complaint received 2022-08-15
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. (CA)

I previously started looking into the report that included false information, and after reading your response, I saw that the report still contained false information despite having a confirmed status. Please validate this account 's status and payment history for me. I think the information being reported by this account is false. I always make my payments on time, so I never had a late payment on this account. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy. Please fix the following account : XXXX XXXX Balance Owed : {$650.00}
Consumer complaint received 2024-10-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (NV)

An email notification was sent to me on XX/XX/year> with a " Special Notification from Westlake Financial '' stating that " Westlake is offering to consider your account satisfied if you make single, reduced payment in the amount of {$780.00}. To accept this offer, payment must be made with certified funds and received within fourteen ( 14 ) days from the date of this communication. '' The payment was made on Monday, XX/XX/year> at XXXX XXXX  PDT. I have documents of the email notice that was sent to me and a receipt showing the date that I had made the payment. I was told by the manager who processed my payment that the account would be closed and would be reported as satisfied within the next 30 days. Over the course of a month or more, I continued to receive phone calls and notices from Westlake Financial stating that my account was still passed due. I called the company on XX/XX/year> at XXXX PST and spoke with a representative there who was able to see that there was a payment made on the agreed amount as stated in the email notice. However, he explained to me that the account had not been conditioned to reflect the account as satisfied and would go ahead and report it as such. He told me that the account would be reported in the next 30 days. Westlake Financial had neglected to report my account as satisfied when I had made the initial payment and continued to report my account as delinquent.
Consumer complaint received 2024-10-03
Product: Credit reporting 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: LEXISNEXIS (AR)

XX/XX/XXXX rec 'd letter dated XX/XX/XXXX from XXXX XXXX XXXX indicating a report from XXXX XXXX XXXX XXXX led to an adverse action and that I should contact Lexis-Nexis. Called XXXX and via automated system requesting a copy of my report. Being unfamiliar with XXXX XXXX and Lexis-Nexus, I provided only my XXXX  Drivers XXXX Number and not my Social Security Number as well. 

XX/XX/XXXX Received letter dated XXXX from Lexis-Nexis indicating my identity could not be confirmed so I again used the automated system to submit a request for my report using BOTH DL # and SSN About XX/XX/XXXX received a letter dated XX/XX/XXXX from Lexis-Nexis with XXXX describing how I could access my report on their website. Over the next week, I tried this several times from both phone and laptop and always got " Can not open page ''. 

XX/XX/XXXX Called Lexis-Nexis help center at ( XXXX ) XXXX and described my problem. XXXX verified that the link I read to them seemed correct but was worried that it had expired ( even though it should be good for 30 days. ) They offered to send me a hardcopy of the requested report and I agreed. I asked if it was possible to send the report via email, was told this was not possible, and I expressed my disappointment that email was not a supported access. I was told I should receive my report in XXXX days. 

XX/XX/XXXX Called Lexis-Nexis help center at ( XXXX ) XXXX again and reported that nothing had been received. I verified my identity and home and mailing address ( they are identical ) and reminded them that I am receiving mail from Lexis-Nexis at the verified address. I was again told I should receive my report in XXXX days. 

XX/XX/XXXX Called Lexis-Nexis help center at ( XXXX ) XXXX again and reported that nothing had been received AGAIN. I again verified my identity and address and all was confirmed. I AGAIN requested a copy of my report and was told I should receive a hardcopy in XXXX days. I also told them I would be filing a complaint ( THIS ) with the Consumer Financial Protection Bureau and was given the following address ( which I read back for verification ) : Lexis-Nexis XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : Legal Would appreciate any action that can be taken. I am willing to follow up to confirm if the report is received and I told Lexis-Nexis help center I would call again if the report was received. At this point, I am done.
Consumer complaint received 2022-08-15
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: EQUIFAX, INC. (MN)

Review attached Equifax Credit File and Confirmation Number : XXXX of information I received from Equifax on XX/XX/XXXX. I am a victim of the recent Equifax credit score error. The following public record was was deleted and removed from my Equifax credit report by Equifax on XX/XX/XXXX, but the public record has been reinserted on my Equifax credit report : Case or ID : XXXX, US Bankruptcy XXXX XXXX, Minnesota. The Public Record thats currently listed on my Equifax and XXXX credit report is not my public record. The XXXX XXXX  XXXX Account : XXXX with a balance of {$330.00} thats currently listed on my Equifax and XXXX credit report is a fraudulent account. The XXXX Banks XXXX Account is not my account. I did not apply for the XXXX XXXX XXXX Account. The XXXX XXXX Bank XXXX XXXX Account : XXXX is lost/stolen. The balance of {$270.00} on the XXXX XXXX Bank XXXX XXXX Account is all fraudulent transactions and not my charges. The following credit inquiries thats listed on my Equifax credit report is fraudulent, unauthorized, and not my credit inquiries : XXXX XXXX XXXX XX/XX/XXXX and XXXX, XX/XX/XXXX
Consumer complaint received 2022-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (OH)

Under the doctrine Estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715, 719 I may presume that no proof of the alleged debt, nor therefore any debt, in face exists. 
I have contacted Midland Credit Management on a matter that pertains to my credit. I have been a victim of fraud. I sent Midland Credit Management a certified letter via usps to validate this account asking to send original documents and a host of other things. I have not received any of the documents I requested. I have an account on my credit that does not belong to me. I asked Midland Credit Management to remove the unvalidated information and nothing was done. I have the receipt that I sent the letter via usps certified. Removing this account from all three credit bureaus ( XXXXXXXX XXXX, XXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay Midland Credit Management and the collection agencies could not provide that information. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEED ORGINALS!
Consumer complaint received 2022-06-07
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. (LA)

I sent the letter off, to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 12 USC 1681 I have the right to privacy. Also according to 15 USC 6802 NO financial institution is not supposed to share my information to third party people. 
These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-08-15
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)

I have been disputing this account for over a year and nothing has been resolved. 
PER 17 CFR 248.7 by law, XXXX  XXXX experian, XXXX and XXXX were suppose to have sent me an opted out letter before putting any information on my consumer report, and they never did. Due to the privacy act of 1974 it is very illegal to obtain and share any of my information without notifying me first, Per this federal law 17 CFR 248.7 I am opting out of this company reporting information to my consumer report. I do not want my information in their system due to the privacy act of 1974. According to 15 USC 1681C-2 They have 4 days by law to remove thier information from my consumer report I have sent them an opted out letter at this point on both companies it is now willful noncompliance per federal law 15 USC 1681n .
Consumer complaint received 2022-09-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EOS Holdings, Inc. (OH)

A few years ago I had a private student loan payment with a debt collector called XXXX XXXX. It went to a debt collector because XXXX XXXX XXXX went out of business, and I was unable to locate them to set up repayment after I graduated. I paid XXXX XXXX XXXX for a little over 10 years, and no interest was accruing at the time. I had to get a new debit card, and unfortunately my payments were being taken from my old one, so I defaulted. I called to set up payments as soon as I realized a few weeks after the missed payment, but they had already sent it to another collection company, EOS CCA. EOS CCA sent me a bill for thousands of dollars over the amount I owed with the previous company, so I stopped payment with them, and requested the promissory note they have on file. It shows that I only had a loan for {$10000.00}, which is the amount I had already paid to the previous company. They are claiming that the over {$13000.00} they are trying to charge me is for interest. I sent them a dispute letter, along with all of the documentation I have as far as payments I made the the previous company and the promissory note via fax and mail. I received another bill from them this year, for a much higher amount, and I called them in XX/XX/2022 to ask about the balance, and tell them that I had already provided them with documentation that says I do not owe this money. They want me to resend it, and I am confident they are going to keep " not receiving '' my dispute documents until I get someone else involved. They refuse to contact the previous company for the payment information, and to put it on my credit report so I can send the documentation to XXXX  for a proper dispute.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Dear credit reporting Agency I am writing to dispute the following items on my credit report. 
it shows on my report that -XXXX XXXX XXXXXXXX was late for the last payment in the month of XXXX of 2018, This Account has Never been late please remove the Late payment of my report
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (TX)

I am rewriting to formally refile a complaint against MIDLAND CREDIT MANAGEMENT regarding the inclusion of inaccurate and fraudulent accounts on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ) and CFPB regulations. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, TX XXXX. My date of birth is XX/XX/year>, and my Social Security Number is XXXX. Upon reviewing my MIDLAND CREDIT MANAGEMENT credit report, I discovered several inaccuracies and fraudulent accounts. There are fraudulent accounts on my report, included in my credit reports. I did not open the account and was not informed about it beforehand, indicating it was established without my consent. I have already taken steps to address these issues by contacting MIDLAND CREDIT MANAGEMENT directly. I submitted a dispute and provided supporting documentation, such as drivers license, ssn card, proof of address and FTC report XXXX. Despite these efforts, the inaccuracies and fraudulent accounts have not been removed from my credit report, significantly impacting my creditworthiness and financial stability. I am requesting that the CFPB intervene to ensure that these inaccurate and fraudulent accounts are promptly removed from my MIDLAND CREDIT MANAGEMENT credit report. Additionally, I seek written confirmation from MIDLAND CREDIT MANAGEMENT once these accounts have been corrected. I also ask the CFPB to investigate MIDLAND CREDIT MANAGEMENT handling of my dispute and its adherence to FCRA and CFPB rules.
Consumer complaint received 2024-11-22
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-06-07
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. (LA)

I sent the letter off, to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 12 USC 1681 I have the right to privacy. Also according to 15 USC 6802 NO financial institution is not supposed to share my information to third party people. 
These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-09-08
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. (LA)

In accordance with the Fair Credit Reporting act my rights have been violated. 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 I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. In accordance with the Fair Credit Reporting Everything has to be XXXX XXXX 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 my rights under 15 U.S.C 1681 section 602 A. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC 1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 15 USC 1681B 2. I never instructed anyone to furnish or create this report
Consumer complaint received 2022-07-08
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. (FL)

I am a victim of identity theft, and I did not make or authorize Those accounts to be open. I am requesting that they be removed. 


XXXX XXXX  Closed on XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX  opened XX/XX/XXXX XXXX XXXX XXXX opened XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-07-08
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)

I am a victim of identity theft, and I did not make or authorize Those accounts to be open. I am requesting that they be removed. 


XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX opened XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-07-08
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: Global Lending Services LLC (TN)

Dear Sir/Madam On XX/XX/2021 I paid off the full amount of total {$22000.00} loan to Global Lending Services XXXX Since then I requested for title release or title noting letter to be mailed to me. But I never received any letter or title. I call them every week and they claim I should receive a letter or title in mail by next week. This been going on for past six month. 

Lender physical Address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Lender mailing address : Global Lending Services XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Lender title department phone # XXXX My name : XXXX XXXX My address : XXXX XXXX XXXX XXXX XXXX XXXX  My phone # XXXX
Consumer complaint received 2022-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.