davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-19
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: Velocity Portfolio Group (IL)

In accordance with the fair credit reporting act, CKS Prime Investments has violated my rights

. 15 U.S.C. 1681, Sec. 602A states I have a right to privacy. 15 U.S.C. 1681 604A Sec. 2 also states a consumer reporting agency can not furnish an account without my written instruction.

To further add, this account has been settled and : Once a settlement is reached and payment is made as agreed, the collection agency is responsible for : reporting the debt as paid in full, or reporting the debt as settled for less than original amount and considered paid in full, or deleting the collection from the consumers credit report as part of a pay to delete agreement with the borrower, which this company says they will not do. 

The collection agency is required to report the same information to all three credit bureaus. 

I am requesting this to be removed from ALL credit reporting platforms.
Consumer complaint received 2022-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A.R.M. Solutions, Inc. (MS)

Phoned company diirectly; said there was no information that showed I owed anything. Several times had called collection agency who claimed they could not get credit card to work and wanted another credit card. A friend gave me her card to use, and they said they could not get that card to work and wanted another credit card. I believe since both cards had been used the same day at groceries and else where, they appeared to be selling credit card information.
Consumer complaint received 2022-09-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (MI)

XXXX XXXX is a very unethical company they have purchased debt from Santander consumer claiming that I owe them now XXXX without explanation I have requested information from them the information that was sent was incorrect. They created a ledger and titled it " Santander transaction history '' as if the file sent was from Santander when in fact it was not. The information on the ledger was incorrect and was not in correspondence with the original explanation of calculation of surplus of deficiency. XXXX claims I owe XXXX and Santander said I owed XXXX XXXX management has yet to clarify why they are requesting the number they are and where the credit of XXXX has came from. On the ledger they created they have claimed I did not pay my car note for the month of XXXX in which I did and sent the proof of statement for that month. It is against my consumer rights to try to collect on an incorrect amount. I have tried my absolute best to get this company to right there wrongs they will not. I have sent a letter breaking down WITH PROOF how they amount they was trying to collect on was incorrect they sent a letter stating that the information was not substantial for dispute! I truly believe the CFBP needs to seriously investigate this company as they are violating consumer rights and defaming me. This collection being on my credit is so detrimental to my life I have tried over and over to get them to remove because they can not verify the debt and they will not this is literally ruining my life. I am a struggling single mother and there are rules and regulations in life that I must abide by regardless of that and I believe companies should do that as well. I live my life with integrity and if I am wrong I will make things right. This company has no morality and does not abide by the laws written for them and I believe they should be truly looked into. You should not run a company disguising yourself as help for the consumer when you're screwing them to collect dollars when you bought the debt for pennies. Its disgusting.
Consumer complaint received 2022-09-19
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. (TN)

On XX/XX/2022 we received a letter from XXXX XXXX that we have been approved for XXXX  XXXX XXXX when we come out of forbearance. We received paperwork from XXXX XXXX stating to sign and return paperwork. We sent the signed paperwork back immediately in the XXXX  envelope they asked us to use. On XX/XX/2022 we received paperwork stating our loan has been transferred to XXXX XXXX  from XXXX XXXX. When it was time to make payment I had to call XXXX and make the payment because I was unable to make it online. A female from XXXX said your paperwork is in process and I can take the payment over the phone. I paid over the phone and customer service said I will escalate this issue. Next month came and tried to log-in for my loan to pay and could not. I called customer service and she said this issue has been escalated and just give us time. We are behind in processing paperwork, but I will take your payment over the phone. XX/XX/2022 I received a letter from XXXX stating we have defaulted on the loan and please contact us right away and email XXXX for questions. I emailed that person on XX/XX/XXXX at XXXX and never received a response. I called XXXX XX/XX/2022 in the morning and spoke to XXXX and he ensured me it was paperwork issue and be patient. I continued to make payments. In XXXX our credit took a hit from XXXX stating we were over 120 days late. I called again and spoke with XXXX and she first was trying to say that XXXX was not wrong about reporting us to the credit agency. Then she said hold read the file and said wow your paperwork is still in transit from XXXX. I am going to escalate this to my supervisor this is our issue and I will call you back by the end of the week. I never received one call from XXXX. I called again and spoke to a gentleman on XX/XX/XXXX because I never heard from XXXX. The gentleman stated they are working on the issue and I do not have to call back so many times. On XX/XX/2022 I received a letter from XXXX a notice of intent and I called an spoke to XXXX on XX/XX/2022. She said the issue is escalated and because we are in this stage she could not take payment from me. I told her I never received any statements and only receiving late letters. She emailed my statements from XX/XX/2022 to current on XX/XX/2022. She advised me to fill out Mortgage Assistance Application and email it to XXXX to start another process. She said loss mitigation has declined my claim that I was never late for a payment. They did not consider the issues I had work mailing the first set of paperwork and all the calling in I did. I emailed what was asked for on XX/XX/2022 and no response from XXXX as of today. On XX/XX/2022 I finally received XXXX XXXX XXXX paperwork sent to me again from XXXX to resign and mail in with the XXXX envelope provided. I did it again. I have not heard from XXXX at all unless it is threatening letters stating my house can be foreclosed on.
Consumer complaint received 2022-07-13
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

" XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$340.00}, XXXX XXXX XXXX Balance : {$670.00}, XXXX XXXX  XXXX Balance : {$770.00}, XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX XXXXXXXX XXXX : {$470.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX Original Creditor : XXXXX XXXX XXXX XXXXXXXX Balance : {$2600.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} " According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-07-13
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. (SC)

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates that inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Consumer complaint received 2022-09-19
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. (MI)

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.

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
Consumer complaint received 2022-08-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX : XXXX Please remove it from my credit report. 
2. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
3. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
5. Validate Account XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
6. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
7. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 
8. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report
Consumer complaint received 2022-07-13
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 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 XXXXXXXX Balance : {$68000.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-09-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (MD)

SOUTHWEST CREDIT SYSTEM keep reporting invalid item to my credit report. I have disputed multiple time and they keep verifying account. No bill was sent or debt validation to validate debt. This account is not owned by me, neither did the collection agency send a debt validation for this item which is violation. No letters was sent to my home address but instead they sent me to collection. I request debt validation which includes signature, date debt was bought/assigned from original lender, debt owned/collection fees accrued to account, and invoices of debts.
Consumer complaint received 2022-07-13
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

" XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$340.00}, XXXX XXXX XXXX Balance : {$670.00}, XXXX XXXX  XXXX Balance : {$770.00}, XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX XXXXXXXX XXXX : {$470.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$2600.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} " According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX Opened XX/XX/2018, 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
Consumer complaint received 2022-07-13
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. (NY)

It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} ; 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 2022-07-13
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$68000.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I sent a complain today to request that the account XXXX XXXX {$0.00} which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. This account was paid as agreed and past due is XXXX but still reporting 30 days late.

The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ).
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CLGF Holdco 1, LLC (AL)

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

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-07-13
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX : XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$160.00} TRANSUNION : XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$600.00}
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

I have credit monitoring applications on my phone and noticed that my equifax score suddenly dropped. I looked into why it had dropped as nothing should have caused that change and the other credit agency did not have a change. I noticed that equifax suddenly started to report a closed account with negative history. They started to report XXXX XXXX XXXX XXXX XXXX  installment loan under my closed accounts. This account does not belong to me, it was never on my credit report until XXXX. I contacted XXXX, they do not have a record in their system with my name and social security. I started the dispute with Equifax and have called them but they just inform me it is under reinvestigation. Again, this was ever on my credit report until last month and according to the equifax it has been open since XXXX. In the past the credit agencies have mixed my name with a similar name which is noted on my credit report. I have been dealing with this for a few weeks and need to resolve as I am in the process of purchasing a home and this incident has dropped my credit score by XXXX XXXX in just a month.