davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Robert L. Tankel, P.A. (FL)

On XX/XX/XXXX, I received a letter from XXXX XXXX Tankel of Tankel Law Group indicating an outstanding amount of {$1000.00} for HOA dues, with a lien date set for XX/XX/2023. 
In response, I dispatched a money order amounting to {$400.00} via certified mail. Concurrently, I notified XXXX Tankel through email about the dispute over the account and my disagreement with the cited charges. 
Following this, I approached our HOA 's property management company and on XX/XX/2023, was provided with copies of available contracts. The property manager, XXXX XXXX XXXX, confirmed that our HOA has no existing contract with Tankel Law Group. Contradictorily, XXXX Tankel claims a contractual relationship and I have yet to see evidence of this alleged agreement. 
Beyond the initial sum, I have been presented with an additional {$600.00} in legal fees, segmented into {$250.00} and {$350.00}. XXXX Tankels justification for these was the drafting of two distinct letters on the same day, both a DEMAND LETTER and a RENT DEMAND LETTER. The reasoning for sending both, especially the RENT DEMAND LETTER, seems superfluous given that one of the property owners ( my sister ) resides at the given address. The subsequent explanation regarding our mailing address listed a XXXX XXXX further muddles the situation as why we received a Rent Demand Notice when there's not an existing tenant.
Consumer complaint received 2023-10-15
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: EQUIFAX, INC. (OH)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that i wanted a little more explanation on. i am not saying they are reporting right or wrong. I am just saying that i am not 100 percent sure if they are. i also read something called the fair credit Reporting act where it said by law/ I had rights to challenge anything i am not sure is accurate. 
SOme of the people reporting things on me. I have never heard of which made me write to you Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? i heard that if you cant provide proof these accounts must be deleted. Well i want these accounts deleted if they are not 100percent right and correct. So could you please check on these and get back with me? I saw on a Credit site and board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct
Consumer complaint received 2023-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that i wanted a little more explanation on. i am not saying they are reporting right or wrong. I am just saying that i am not 100 percent sure if they are. i also read something called the fair credit Reporting act where it said by law/ I had rights to challenge anything i am not sure is accurate. 
SOme of the people reporting things on me. I have never heard of which made me write to you Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? i heard that if you cant provide proof these accounts must be deleted. Well i want these accounts deleted if they are not 100percent right and correct. So could you please check on these and get back with me? I saw on a Credit site and board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I disputed the following accounts on XX/XX/year> and Experian completed its investigation XX/XX/year>. I asked for a description of procedure and was denied.Experian is exhibiting willful non compliance.This is a violation of FCRA. 15 USC 1681i ( a ) ( 6 ) ( b ) ( iii ) states the above should be provided. Accounts are listed as : XXXX XXXX  # XXXX. XXXX XXXX XXXX XXXX  # XXXX. XXXX # XXXX. XXXX XXXX # XXXX
Consumer complaint received 2023-09-08
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: Experian Information Solutions Inc. (GA)

I did not authorize anyone employed by these companies to make an inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the FCRA section 611. 
My contact information is as follows : Your name XXXX XXXX XXXX
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-09-08
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. (TX)

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 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 2023-09-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

XXXX XXXX promise me a kitchen to use until my place was done being built but what I got from them was lies deception I never got use of the kitchen due to rook leaks and unethical business practices I have file to take them to court they have been served a ten day demand letter. I need BOA to put my money back I have called them XXXX times and I have been lied to on every single call. I am ready to serve them a ten day demand letter if this does not get rectified immediatley there will be some meaningful consequences, there is not reason I am still waiting on a provisional credit since last Friday XX/XX/2023. There has been a hardship put in twice for them to issue the credit this too has fallen on blind eyes and deaf ears. I have XXXX accts with this bank XXXX business and XXXX personal now I am considering closing all of these acct I need a call from a decision maker since everyone else is being untruthful and unethical behavior.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MS)

My credit report has a voluntary repossession that resulted from my suing the company for breach of contract after which the company sued me for repossession of the mobile home, my lawsuit is still pending, but suite for repossession went forward. I have a suit against the company for breach of contract And I also have a suit for payment for rental space that the property took up for a year none of which have gone to court and I cant understand how my statement with proof does not remove this voluntary repossession and the cost of the mobile home from my credit report, it shows as a voluntary repossession, but it also shows the balance due I never made a payment on this property and when I called and asked for an investigation or did a dispute credit wise and XXXX, all of the other credit reporting bureaus removed XXXXXXXX XXXX  from my credit report Experian refuses to remove them, and I am not understanding if I have proof that I file suit against this company and this is a two-way thing, why does XXXX get to put damaging information in my file and Im not being able to dispute it and you are in Experian doing a full investigation when I attempted to question this I was told Id have to call XXXXXXXX XXXX no why would they help me when I have a lawsuit against them I feel that I am being treated unfairly, and that the Experian is showing bias by not removing this disputed matter which is really a legal matter between XXXX XXXX , and myself..
Consumer complaint received 2023-09-08
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: Experian Information Solutions Inc. (IL)

XXXX, Experian, and XXXX continue to report inaccurate information. This is a violation of FCRA. The account listed below has not been properly validated or verified as accurate as the information is to inconsistent. 

DEPTEDXXXX  Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

! account number XXXXXXXX Subject : Dispute of Fraudulent Credit Card Account Pursuant to 15 USC 1681i Dear Sir/Madam, I am writing to formally dispute a fraudulent credit card account that has appeared on my credit report, as reported by your agency. This dispute is being made under the provisions of 15 USC 1681i, which governs the correction of inaccurate or fraudulent information on consumer credit reports. I have recently become aware of an account listed on my credit report that I believe is the result of identity theft. The details of this fraudulent account are as follows : CREDIT CARD! 
! Date Updated XX/XX/XXXXXXXX Last Payment Made XX/XX/XXXXXXXX Date Closed XX/XX/XXXXXXXX 
XXXX XXXXXXXX XXXX Name : XXXX Date of First Delinquency : XX/XX/XXXX I did not open or authorize this account, nor do I have any knowledge of the transactions associated with it. This fraudulent account is negatively affecting my credit score and my financial well-being. In accordance with 15 USC 1681i, I am requesting that you conduct a thorough investigation into this matter and take the following actions : 1. Verify the accuracy of the account information. 2. Determine the origin of this fraudulent account, including how it was opened and by whom. 3. Remove this fraudulent account from my credit report as it is not a legitimate account associated with me.
Consumer complaint received 2023-10-15
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. (OH)

! account number XXXX! Subject : Dispute of Fraudulent Credit Card Account Pursuant to 15 USC 1681i Dear Sir/Madam, I am writing to formally dispute a fraudulent credit card account that has appeared on my credit report, as reported by your agency. This dispute is being made under the provisions of 15 USC 1681i, which governs the correction of inaccurate or fraudulent information on consumer credit reports. I have recently become aware of an account listed on my credit report that I believe is the result of identity theft. The details of this fraudulent account are as follows : CREDIT CARD! 
! Date Updated XX/XX/XXXXXXXX  Last Payment Made XX/XX/XXXXXXXX  Date Closed XX/XX/XXXXXXXX 
XXXX XXXXXXXX XXXX Name : XXXX Date of First Delinquency : XX/XX/XXXX I did not open or authorize this account, nor do I have any knowledge of the transactions associated with it. This fraudulent account is negatively affecting my credit score and my financial well-being. In accordance with 15 USC 1681i, I am requesting that you conduct a thorough investigation into this matter and take the following actions : 1. Verify the accuracy of the account information. 2. Determine the origin of this fraudulent account, including how it was opened and by whom. 3. Remove this fraudulent account from my credit report as it is not a legitimate account associated with me.
Consumer complaint received 2023-09-07
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: Experian Information Solutions Inc. (CA)

I previously disputed an account on my credit report and the item came back as verified. 

I disagreed with this outcome as I remember paying this account and the creditor is reporting incorrectly. 

I requested a method of verification proving an independent investigation was completed in accordance with FCRA. 

The item came back as updated, but how can that be when everything is exactly the same. They also did not provide me with how they verified this account to be accurate. 

This is a clear violation of the FCRA and I demand this item be deleted from my credit report.l immediately. 

Account # XXXX - XXXX XXXX XXXX I have attached a before and after picture of the so called update that shows everything exactly the same.
Consumer complaint received 2023-09-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates (MD)

/On XX/XX/XXXX I mailed a letter to validate a collection that is being reported to the credit bureaus. The account was opened with L J Ross Associates , IncXXXX in XXXX  showing a balance of {$1000.00}. L J Ross Associates , Inc. failed to respond to my validation letter although proof will show that they received this request on XXXX XXXXXXXX  and have yet to respond as of XX/XX/XXXXXXXX XXXX XXXX The uploaded attachment is the letter that was mailed all with return receipt from through united states postal service.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (MS)

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company.

Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 
433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

AFFIDAVIT OF TRUTH AND FACTS I diplomat ; XXXX XXXX XXXX XXXX do not go by any A.k.a. names. I do not buy or purchase nor request funds or credit extensions or such the like in any other names and all listed by Equifax if inaccurate and false. I have mailed a copy of the requested information thereto Equifax Inc. and they have continued to report inaccurate and false fraudulent information that does not concern me nor my history as a XXXX  XXXX  XXXX  nor as a consumer. I do not use my name in all capital letters and nor am I XXXX XXXX XXXX that is an LLC Estate Trust and im the beneficiary of said irrevocable trust. XXXX ; XXXX XXXX XXXX XXXX. I am not involved in any student loan payments have never made any payments thereto the alleged information being reported by Equifax Inc, .. claiming I am making payments or paid as agreed. This information thereto such or said student loans and or multiple student loans claiming pay as agreed using addresses that are not on my personal and private identity cards statements and documents. Equifax is the only consumer reporting agency reporting inaccurate information as to my credit consumer reports and are 100 % inaccurate. 

I do not have any Also Known as Names this is being reported presumptuously by a law firm located near Equifax Inc, named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have filed claims against this law firm and those whom they claim to represent and have won multiple claims with writ of executions being collected. This information is simply a retaliation attempt and I am interested in seeing the actual documents they will respond with as Equifax Inc, as they have slandered my good name and credibility. I have not relationships with any creditors they have listed in their system nor do I have said addresses they claim I live at. 

My mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX I also have the mailing address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I am a XXXX  XXXX XXXX I am not a XXXX XXXX  XXXX nor am I XXXX. This is also mentioned by the reports as my title nobility and appellation only ties me to my indigenous heritage as an XXXX XXXX XXXX XXXX and nothing more nor less. 

XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are not allowed to share my private information with anyone especially those involved in legal matters without my consent or knowledge as well you are not to speak nor share my private information addresses and location as well credit numbers without my consent.