davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-21
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 sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it againXXXX 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 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 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 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 XXXX XXXX
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Velocity Portfolio Group (FL)

This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
Consumer complaint received 2022-09-07
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. (MS)

I disputed this on XX/XX/2022 XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, ND XXXX and I have not heard from them either. They didn't send me any validation. I don't remember getting their credit card. I never seen them before.
Consumer complaint received 2024-08-28
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Credit Reporting Dear Credit Reporting Agencies , I am writing to formally dispute the accuracy of information reported on my credit reports regarding an account with XXXX XXXX account number XXXX According to my records, this account is currently being reported as XXXX  days late for the months of May and XXXX. I believe this information is inaccurate and violates several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under the FCRA, Section 602 ( a ) ( 1 ), consumers have the right to obtain accurate and complete information in their credit reports. The reporting of a charge-off account as 120 days late when it should not be is a direct violation of this provision. Additionally, Section 623 ( a ) ( 1 ) states that furnishers of information must not provide inaccurate information to consumer reporting agencies. As such, I request that you investigate this matter and remove or correct the inaccurate reporting.

Furthermore, under FCRA Section 609 ( e ), I am entitled to request additional documentation supporting the accuracy of this reporting. If the creditor can not provide sufficient evidence that the account is accurately reported, I demand that this misinformation be removed from my credit report. 

In addition to the FCRA, the FDCPA prohibits the furnishing of misleading information. Section 807 ( 2 ) ( A ) explicitly states that a debt collector may not indicate that a consumer owes any debt unless such a debt is made known to be owed. The reporting of this account as XXXX days late may mislead potential creditors about my creditworthiness.

I have attached supporting documents, including my credit report with the disputed account highlighted, and any relevant correspondence with the creditor. I request that you complete your investigation within the 30-day time frame mandated by the FCRA and provide me with a written response detailing the results of your investigation.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-04-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Millco Management (FL)

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated.

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my wet signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

All accounts in dispute listed below : AMERIFINANCIAL SOLUTIONS ACCOUNT # XXXX {$100.00}, {$140.00}, {$100.00}, {$120.00} Best Regards, XXXX XXXX
Consumer complaint received 2020-12-08
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. (CA)

Despite my feedback from Complaint XXXX, Experian keeps harassing me about my dispute of personal information that should not be a fact in controversy. Once again, Experian has chosen to send me updates on what I can already presume to be the one giving rise to the aforementioned complaint, closed without the lawful resolution of changing my birthdate without question or pause. My mental health has been so badly taxed, that I can not bring myself to state the facts as shown and showable in my photographic evidence of continued wrongdoing. 

Experian 's nonanswer in the previous complaint calls for enhancement of the charges beyond my corresponding argument therein. The fact that my birthdate _could_ be falsified stands as the biggest problem is.this matter ; my birthdate is static, and can not change at anyone 's whim ( even my own! ). By inventing controversy on impossible grounds, Experian terorrizes me and obstructs justice in matters of no concern to Experian, despite their assistance in thwarting XXXX XXXX XXXX University 's extortion attempt from earlier this year. Experian 's present obstructions distract me from even pursuing claims of extortion and malicious prosecution in a way that acts on the same XXXX, on which University personnel have terrorized and discriminated against me, and have allowed my student constituents to discriminate against me ( even prior to my election as XXXX XXXX XXXX, and as an appointed XXXX  XXXX during XXXX ). Despite Experian 's actions in doing the right thing in light of its own interests as a matter of consumer protection law, Experian 's misconduct at present reflects the United States ' deliberate indifference to the interest of justice, as concerns the University 's crimes against humanity. 

This action shall act shall have had the same effect as a cease and desist letter. Hence, with this complaint, I am prepared to charge Experian with tortious interference, and I order the United States in my authority as a member of the People to assist me in these matters for once. Federal insubordination can be cured by compliance and the institutional courage to admit the United States ' wrongdoings, and do its part to ( help me ) confront my wrongdoers ' unconstitutional behaviors violating my human and civil rights.
Consumer complaint received 2022-09-07
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)

Request of XXXX of XXXX!! 

On XXXX I requested an investigation from Transunion regarding inaccurate/fraudulent item on my credit report ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) that's being reported erroneously. On XXXX Transunion sent a letter that the investigation was completed, and the item was not deleted and had been verified. I'm flabbergasted because I don't understand how they arrived at this conclusion since this information is definitely incorrect and is fraud per the FTC identity theft report that was sent to them. 

This request is under FCRA 611 ( a ) ( 7 ) for the description of the procedure used by Transunion in providing all information to the creditor associated with my previous dispute under FCRA 611 ( a ) filed with Transunion on XXXX. 

Please provide me with all the information you used for the investigation, required by FCRA 611 on how you actually verified this fraudulent item. 

Please reply within XXXX  days or delete the negative item I originally requested!!! 
Stop playing games with my livelihood and follow the law and send me detailed information on how you arrived at your conclusion. All information should be sent to the CFPB and to the email I provided to them.
Consumer complaint received 2022-05-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The date i discovered these accounts was on XX/XX/2021. I never opened these accounts nor i ever signed anything with these accounts. 

I had left my purse in a bar at a restroom. when i tried going back for my purse it as gone with all my personal belongings. 

-Bank of America XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-02-09
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: CREDIT ACCEPTANCE CORPORATION (MI)

CREDIT ACCEPTANCE CORPORATION account # XXXX U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions They are not able to provide me original contract with my signature, also this account has reached statue of limitations and should be removed from my credit report
Consumer complaint received 2022-12-14
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)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have sent many letters with no response. Attached is the letter showing all of the accounts that need to be verified with the creditors. 

Please verify the account number, account type, account status, monthly payment, date opened, balance, high credit, credit limit, past due amount, payment status, last reported date, comments, date last active, and date of last payment. They appear to be incorrect.
Consumer complaint received 2022-04-29
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 — Problem with personal statement of dispute
Company: CAROLINA FINANCE, LLC (VA)

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. 

Carolina Finance LLC 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. 

Please provided proof of your claim XXXX I attached a copy of my credit report showing all on time payments up until job loss due to Natural disater over 3years no missed payment in a 4 year loan.

Also payments were made late night but the system did not update until next day this is no fault to the consumer. 
Lastly no notice was ever sent via mail as we do not have online statemente all 3 creditors have different info regarding this account. 

It is not possible to be 60 days late in XXXX of 2021 good standing in XXXX and back 60days late in XXXX of 2021 A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
Consumer complaint received 2022-04-29
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)

Sharing without concent :

In accordance with the Fair Credit Reporting Act the following list of accounts below has violated my federally protected consumer rights of privacy and confidentiality : 15-U.S.C 1681 Sec. 602 A : States that I have a right to my privacy. 15-U.S.C 1681 Sec. 604 A : States that a consumer reporting agency can not furnish a account without my expressed written instructions. ( 3 separate accounts ) f
rom XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 does state a consumer reporting agency can not furnish a account without written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late and purpose.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Dear CFPB RE : Violation of FCRA 611 ( 5 ) ( A ) XXXX recently responded regarding a previously disputed account listed as XXXX XXXX XXXX  XXXX on my consumer report. I've made them aware of several inaccuracies. XXXX decided to update the account. There is no way the account has been verified as previously stated, how can so many inaccuracies exist coming from the same source. According to FCRA 611 ( 5 ) ( A ) you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified. 

( The inaccuracies & incomplete information are listed as follows ) XXXX Equifax account status account status paid open High credit High credit XXXX XXXX Last reported Last reported XX/XX/XXXX XX/XX/XXXX Account # Account # Not complete Not complete Account type Account type Credit Line - Date Last active Date last active XX/XX/XXXX - Date last payment Date Last payment XX/XX/XXXX - I will state again there is no way the account has been verified as previously stated, how can so many inaccuracies exist coming from the same source reporting differently among other agencies XXXX and Equifax are violating the law. In pursuant to 15 U.S code 1681s-2 ( A ) REPORTING INFORMATION WITH ACTUAL KNOWLEDGE OF ERRORS A person SHALL NOT FURNISH any information relating to a consumer reporting agency if the person knows or has REASONABLE CAUSE TO BELIEVE that THE INFORMATION is INACCURATE.

According to 15 U.S Code 1681o Civil Liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of - Iam a litigious federally protected consumer and this matter needs to be corrected. I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.I demand this account to be deleted.
Consumer complaint received 2024-09-19
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. (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. This account dont belong to me.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXXXXXX XXXX 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 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. 16815-2 ( 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.