davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C. (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that TRIDENT ASSET MANAGEMENT would verify the debt. So I took it upon myself to ask TRIDENT ASSET MANAGEMENT for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2021-09-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (OH)

Notice to all, I am that the consumer, in fact, natural person, original creditor, lender, executor administrator, holder in due course for any and all derivatives thereof for a surname. I XXXX XXXX who is currently of the age of majority would like to validate the information listed above is accurate and hereby would like to address several violations that have occurred between the creditor ( MIDLAND CREDIT MANAGEMENT ) and XXXX XXXX & XXXX  a Non-Government reporting company. Fact, The Fair Debt Collection Practice Act was established to stop the abusive, deceptive and unfair debt collection practice by many debt collectors. Fact, Affiant is aware and has proof in attachment labeled exhibit " A '' that MIDLAND CREDIT MANAGEMENT and XXXX XXXX & XXXX  a Non-Government reporting company is currently in violation of U.S.C 1692c ( a ) in which any COMMUNICATION WITH THE CONSUMER GENERALLY-States 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. Fact, Affiant is aware and has proof in attachment labeled exhibit " A '' that MIDLAND CREDIT MANAGEMENT is currently in violation of 15 U. S. C. 1692c ( 3 ) ( b ) COMMUNICATION WITH THIRD PARTIES-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 in connection with the collection of any debt with any person other than the consumer his attorney. MIDLAND CREDIT MANAGEMENT willful violated my rights by non-compliance I the consumer demands the ceasing of communication as stated in 15 U.S.C 1692c ( 3 ) ( C ) with all parties involved and for the related information to be removed from my report. Due to MIDLAND CREDIT MANAGEMENT XXXX XXXX and XXXX have willfully violated several of my rights I am also seeking Civil liability which 15 U.S.C states any debt collectors who fail to comply with any provision of the title with respect to any person is liable to such person in an amount equal to the sum of { {$1000.00} }. Midland Has Willfully damaged my reputation by reporting this alleged debt on my consumer reports and also sending alleged debt lawsuit to an incorrect address causing neighbors to view this embarrassment.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Good evening, I recently reviewed my credit report due to the nature not being able to obtain credit so that I am able to be a guarantor for my business credit, Unfortunately I have not been able to due to the nature of some unauthorized accounts on my consumer report and under 15 USC 1681 ( a ) ( 3 ) These Credit Reporting Agencies have assumed this role without my permission not only they didn't have my consent, they also did not respect my privacy and under 15 USC 1681 ( a ) ( 4 ) my rights have been violated. The Credit Reporting Act has allowed these debt collectors to be placed on my consumer file as well as a list of inquiries I did not authorize. 
The Debt Collection agencies are as follows XXXX  Act. # XXXX XXXX XXXX Act. # XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX Inquiries Made XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Experian XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-08-23
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)

Good evening, I recently reviewed my credit report due to the nature not being able to obtain credit so that I am able to be a guarantor for my business credit, Unfortunately I have not been able to due to the nature of some unauthorized accounts on my consumer report and under 15 USC 1681 ( a ) ( 3 ) These Credit Reporting Agencies have assumed this role without my permission not only they didn't have my consent, they also did not respect my privacy and under 15 USC 1681 ( a ) ( 4 ) my rights have been violated. The Credit Reporting Act has allowed these debt collectors to be placed on my consumer file as well as a list of inquiries I did not authorize. 
The Debt Collection agencies are as follows XXXX/XXXX  Act. # XXXX XXXX XXXX Act. # XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX  XXXX XXXX  Account : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX Inquiries Made XXXX/XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2021-09-02
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. (TX)

Last XXXX I've sent disputes to credit bureaus about the issue that my account was fraudulently used without my permission. I was so stressed over the months now I got a low credit score!. I need help to solve this issue.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I am not liable for this debt with XXXXXXXX XXXX  This account was purchased by this person, as person is defined by the Fair Credit Reporting Act. I do not have a contract with XXXX XXXX and it's subsidiary XXXX XXXX XXXX XXXX. I was not provided the original contract, I signed in agreement as I requested, as this account was purchased. The account contains multiple errors in reporting pursuant to 15 USC 1681 ( e ) ( b ). In accordance with the Fair Credit Reporting act. The account listed below has violated my federally protected consumer right to privacy and confidentiality pursuant to 15 USC 1681. 
XXXX XXXX XXXX : # XXXX has violated my consumer rights. 

15 U.S.C. 1681 section 602 ( a ). States that I have a federally protected right to privacy.

15 U.S.C. 1681 section 604 ( a ) ( 2 ). States a consumer reporting agency can not furnish information contained in my consumer report without a written statement of permissable purpose.

15 U.S.C. 1681c ( a ) ( 4 ) ( 5 ). States, except as authorized under subsection ( b ), noconsumer reporting agencymay make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) Any other adverse item of information, other thanrecords 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.

12 CFR 1006.34 1006.34 Notice for validation of debts.

( c ) Validation information.Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.

( 1 ) Debt collector communication disclosure.The statement required by 1006.18 ( e ).

Official interpretation of 34 ( c ) ( 1 ) Debt collector communication disclosure.

( 2 ) Information about the debt.Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collectors name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.

This account has been extremely damaging to my livelihood, and general mode of living. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not able to receive the necessary financing because of the hindrance of this account. This is directly effecting the livelihood of my family, and is in direct written violation of the Fair Credit Reporting Act.
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I have sent out multiple letters to XXXX XXXX XXXX, XXXX  & Experian since XX/XX/2021. I also gotten a letter about XXXX XXXX XXXX reporting my account as current, no late payments, with all 3 bureaus. My account is still showing late payments for both Experian and XXXX. The only updated account is XXXX.
Consumer complaint received 2021-09-02
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. (NC)

I have reported that this closed negative XXXX phone account was open fraudulent and ask for it to be removed during my further investigation of the company and addresses there was no valid address or phone to contact this company to submit my claims I dont understand why and how the bureaus are getting in contact with this company to support this fraudulent account on my report the address for this company is XXXX. XXXX XXXX XXXX TX XXXX I have submitted supporting documentation showing who I am and my address during the time this account was open
Consumer complaint received 2022-08-25
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. (TN)

These accounts are still on my report and needs to be removed. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts are affecting me from purchasing a home, car and providing for my family at full potential. Please have these accounts removed immediately. Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2022-08-23
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)

After numerous attempts to get the CRAs to abide by FCRA and CFPB, I am not request for Experian, XXXX, and XXXX to permanently delete the accounts that ( has been attached to the file ) for deletion according to FCRA 611 ( a ) [ 15 U.S.C 168ii ( a ) ] and section 609. These items are that I am disputing are required to be re investigated or deleted from my credit report within 30 days. I AM NOT ASKING ANY OF THE CREDIT REPORTING AGENCIES TO VALID WITH THE CREDITORS, I AM DEMANDING THE CREDIT REPORTING AGENCIES TO VALID THE DEBT. ACCORDING TO FCRA SECTION 609, THE LAW FCRA 15 USC 1681 STATES THAT THE CREDIT AGENCIES MUST VERIFY ALL INFORMATION THAT THEY RECEIVE FROM BANKS, CREDIT CARD COMPAINES, PRIOR TO BEING PUBLISHED ONTO MY CREDIT. THIS INFORMATION IS ALSO PRINT IN THE GUIDE FOR FEDERAL CREDIT BUREAU, SO I AM DEMANDING THE EXPERIAN, XXXX, AND XXXX TO SEND ME A COPY OF THE ORIGINAL SIGNED DOCUMENT FROM WHEN I OPENED THE ACCOUNTS. IF YOU ARE CLAIMING THE INFORMATION IS VALID/VERIFY/AND OR CORRECT I AM REQUEST THE CRA 'S TO VALIDATE AND SEND ME PROOF OF CLAIM. YOU HAVE 30 DAYS PER FEDERAL CREDIT BUREAU, CFPB, AND FCRA TO PROVIDE ME WITH PROOF OF CLAIM. 
FCRA SECTION 609 ( C ) ( 2 ) ( e ) also advise if the accurate negative information in the consumer credit profile is unable to verified, the reporting agency is required to delete it. 


I AM DEMANDING THAT THE CREDIT REPORTING AGENCIES " TO PROVIDE VERIFIABLE PROOF '' ORINGAL DOCUMENTS RECORDS THAT YOU MUST KEEP ON YOUR DATABASE PER FEDERAL CREDIT AGREEMENT WITH XXXX.
Consumer complaint received 2022-10-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (MI)

To whom it may concern, within the timing of the auto repossession it was commonly a surprise to me. Due to the fact Ive had multiple communications with representatives from Credit Acceptance. From XXXX. During, before, and after COVID-19. Communication went as followed Credit Acceptance agreed to remove ALL late payments under goodwill status. Not to mention they also agreed to non-repossession, and non-reporting ANY late payments to third parties. Throughout the year of 2022 Credit Acceptance has reported 11 late payments, and 1 repossession to third party credit bureaus. Credit Acceptance defaulted on their agreement to non-reporting, and non-repossession Pursuant to 18 USC 8, I owe no debt, the company is violating my consumer right to privacy pursuant to 15 USC 168:1 : b2. The company has no permission to report ANYTHING using my info pursuant to 15 USC 168:1:4 On XX/XX/2022 I immediately asked for the credit bureaus to investigate, and remove account from credit report. Credit Acceptance doesnt have the right to make an agreement, and default on the agreement. In which, caused a breach of peace during the repossession, and also deformation of character. Ive lost personal property when the vehicle was repossessed Secondly, the vehicle was repossessed on a personal property behind a closed locked gate. Thirdly I was never informed nor received a message as to where, and how I may collect/retrieve personal items. According to Michigan repossession laws all three reasonings is a breach of privacy. I'm highly upset that Credit Acceptance are partners with XXXX XXXX. As stated by personal experience the company itself has been known for stealing customers personal items. At the time of the repossession I was unable to hold my job due to missing work and lack of transportation. That also incur other significant costs, including the expense of finding alternative transportation, fees related to repossession, and negative marks on credit reports. Not to mention Credit Acceptance engaged unfairly failing to obtain refunds for me for add-on products that no longer provides a benefit to me. Credit acceptance has also misled me about the amount of final loan payments after my normal payments were deferred due to financial difficulties largely as a result of the COVID-19 pandemic.
Consumer complaint received 2021-09-02
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. (NC)

I have reported that this closed negative XXXX phone account was open fraudulent and ask for it to be removed during my further investigation of the company and addresses there was no valid address or phone to contact this company to submit my claims I dont understand why and how the bureaus are getting in contact with this company to support this fraudulent account on my report the address for this company is XXXX. XXXX  XXXX XXXX TX XXXX I have submitted supporting documentation showing who I am and my address during the time this account was open
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

on XX/XX/year> i certified mail receipt all the three credit bureau 's a dispute letter requesting to change inaccurate information on my credit report such as, add correct spelled name and removed misspelled names, remove incorrect address, incorrect phone numbers, remove incorrect employment status and add correct employment status. attached to the dispute letter was my New jersey state Commercial License, Social Security Card, copy of Birth Certificate to verify my identity with proof of address mail a copy of mailing to match the same address on my driver license. 

i contacted Experian representative on XX/XX/year> Confirmation code # XXXX requesting to check the status of my personal information being updated and i was denied incorrect address XXXX XXXX XXXX, XXXX, New Jersey XXXX from being removed from my credit report i never lived there and i demand this incorrect address be removed from my credit report immediately. thank you for your time and consideration.
Consumer complaint received 2022-06-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MS)

I sent a debt validation letter 120 days ago asking for this company to provide me with proof that I own this debt, and they have failed to respond. I then looked at my credit report and noticed that they are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if they failed to validate. Because of their actions, they have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 n 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX 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 XXXX XXXX they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX 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 n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-03-31
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. (PA)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2021-09-02
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (NY)

I was notified several years ago of a debt that I allegedly owed to a school. 
The name of the school is/was XXXX XXXX.Upon information and belief It was/is an online school. 

The amount of the loan was XXXX. After looking at it I noticed that the date of birth didnt match mine nor was any phone number ever used by myself. The company continues to attempt to collect despite the FTC Identity theft report and my many calls and correspondences. Ive called and was hung up on on numerous occasions. 

The name of the company is Ability Recovery Services XXXX XXXX XXXX XXXX, XXXX , PA This account was opened and/or loan was taken out while I had a freeze on my credit report and statement that says dont extend any credit to anyone without calling me first.
Consumer complaint received 2021-09-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (TX)

A letter was received stating that I can go online to make the payment settlement for the following account XXXX ( XXXX ) and XXXX ( XXXX ). 

The website for Commonwealth Financial Systems states that we don't have to speak to a representative to resolve these accounts, however when you enter your information it states that your information is not found. This a clear indication that they are not telling the truth. 

On XX/XX/21 I called and provided my verification information to handle these accounts for settlement and was told they are having problems with their website. Well that's not my problem. Just like they will tell me the same regarding the payments that need to be settled.