davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MA)

Good Afternoon ; i'm actually really shocked due to the repeated phone calls, used abusive language about an alleged XXXX debt for {$930.00} that i don't recall ever owning or had any prior relationship with XXXX nor CCS collection agency. I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Consumer complaint received 2020-11-20
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: Receivables Performance Management, LLC (PA)

I recently challenged the validity of RECEIVABLES PERFORMANC ( Original Creditor : XXXX XXXX ) - XXXX ( Collection ) account that's being reported on my most recent credit report. Upon challenging this, XX/XX/XXXX ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account.
Consumer complaint received 2021-12-07
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX
Consumer complaint received 2020-11-20
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Peritus Portfolio Services II, LLC (FL)

on XX/XX/2020, I open my door to someone trying to ''repo '' my car, they refused to give me a name or allow me to verify the legitimacy for the repo order. After asking them 11 times to leave and notify them they are trespassing, they refused to do so, I called the police, when they arrived they notified them that they had to leave my property.meanwhile trying to drive off my property with me in the car and raising it on the tow truck less than 2 inches from my leg, with me in the car! 

The next morning i get on the phone with my finance company to address this issue, they advised me they did NOT authorize anyone to come out and repo the car, and that they do NOT condone such behavior, that same day i get a knock on the door, and non stop ringing on my doorbell from the company that came and tried to repo my car, they are looking in my windows and peering around my yard, this is harassment of the highest sort and i demand these people be held accountable
Consumer complaint received 2020-10-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CO)

I have reached out to Experian in regards to an account listed on my credit report requesting validation that this debt is in fact mine. Experian claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Experian seeking proof of this debt : Experian XX/XX/2020, XX/XX/2020 and XX/XX/2020. Experian continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. 


The account number is XXXX ( {$690.00} )
Consumer complaint received 2022-11-19
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. (NJ)

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. 

XXXX XXXX XXXX Account Number:XXXX 1.Validate Account XXXX XXXX XXXX Account Number : XXXX : 2.Validate Account XXXX XXXX XXXXXXXX Account Number : XXXX 3.Validate Account XXXX Account NumberXXXX 5.Validate Account XXXX  Account Number:XXXX 6. Validate Account XXXX  XXXX Account Number:XXXX 7.Validate Account XXXX Account NumberXXXX 8.Validate Account XXXX Account Number : XXXX 8.Validate Account XXXX Account Number:XXXX* 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 2020-10-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CO)

I have reached out to Experian in regards to an account listed on my credit report requesting validation that this debt is in fact mine. Experian claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Experian seeking proof of this debt : Experian XX/XX/2020, XX/XX/2020 and XX/XX/2020. Experian continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. 


The account number is XXXX ( {$270.00} )
Consumer complaint received 2024-12-10
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: ZIONS BANCORPORATION (TX)

A derogatory rating on my account has already caused tangible financial damage, including a denied loan application and increased interest rates on existing credit accounts. This negative rating has inflicted significant financial and emotional distress, threatening my economic stability and future opportunities.
Consumer complaint received 2020-10-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have reached out to Transunion in regards to an account listed on my credit report requesting validation that this debt is in fact mine. Transunion claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to TransUnion seeking proof of this debt : Transunion XX/XX/2020, XX/XX/2020 and XX/XX/2020. Transunion continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. 


The account number is XXXX ( {$3000.00} XXXX
Consumer complaint received 2020-10-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CO)

I have reached out to Experian in regards to an account listed on my credit report requesting validation that this debt is in fact mine. Experian claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Experian seeking proof of this debt : Experian XX/XX/2020, XX/XX/2020 and XX/XX/2020. Experian continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. 


The account number is XXXX XXXX {$270.00} XXXX
Consumer complaint received 2024-10-30
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. (DE)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law.

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

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-04-23
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: EQUIFAX, INC. (TX)

ON XX/XX/2022 I, SENT EQUIFAX A NOTICE OF LIABILITY TO BLOCK AND REMOVE ALL INACCURATE AND INCOMPLETE INFORMATION BEING REPORTED ON MY FILE DUE TO IDENTITY THEFT, ALONG WITH MY FTC IDENTITY THEFT REPORT, OUTLINING MULTIPLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT. PURSUANT TO 15 USC 1681c-2 ( a ) A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF 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. IT HAS BEEN PAST 4 BUSINESS DAYS, AND EQUIFAX HAS FAILED TO BLOCK THE REPORTING OF THE UN-AUTHORIZED ACCOUNT ( S ) IN REFERENCE THAT ARE STILL FRAUDULENTLY REPORTING ON MY FILE, WITHOUT PROVIDING ME WITH THE DOCUMENTARY EVIDENCE THAT WAS USED TO MAKE SUCH LEGAL DETERMINATION, TO CONTINUE TO FRAUDULENTLY REPORT INACCURATE AND INCOMPLETE INFORMATION ON MY FILE. PER 15 USC 1681b ( a ) ( 2 ) EQUIFAX HAD NO PERMISSIBLE PURPOSE TO FURNISH A CONSUMER REPORT BECAUSE I, NEVER GAVE THIS AGENCY MY WRITTEN INSTRUCTIONS TO FURNISH A CONSUMER REPORT AS THE CONSUMER. I NEVER GAVE THIS AGENCY MY WRITTEN CONSENT TO REPORT THE ATTACHED LISTED ACCOUNTS ON MY CONSUMER REPORT. EQUIFAX VIOLATED COMPLIANCE PROCEDURES PER 15 USC 1681e ( b ) ACCURACY OF REPORT AND FAILED TO CORRECT THE RECORD. EQUIFAX IS NOW WILLFULLY NON-COMPLIANT AND IN VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2020-10-08
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Onity Group Inc. (TX)

XXXX XXXX XXXX XXXX ( XXXX XXXX ), Successor in Interest to XXXX XXXX XXXX , XXXX XXXX, Successor by Merger to XXXX XXXX XXXX XXXX as Trustee For XXXX XXXX XXXX Mortgage Pass-Through Certificates, Series XXXX XXXX XXXX XXXX XXXX ), continues to allow others to proceed with foreclosure of my property in Docket No. : XXXX upon a note and mortgage ( " mortgage loan '' ) that became time-barred as of XX/XX/XXXX, by using the name of XXXX XXXX  as Trustee for XXXX XXXX XXXX 's name as the purported owner of the subject mortgage loan, despite XXXX XXXX as Trustee for XXXX XXXX XXXX 's communications dated XX/XX/XXXX and XX/XX/XXXX annexed hereto as Exhibit 1, declaring that : The servicer is the party to the Trust that has the authority and responsibility to make decisions regarding individual mortgage loans in the Trust. The Trustee has no authority or responsibility to review and or approve or disapprove these decisions and actions.. 

Furthermore, XXXX XXXX  as Trustee for XXXX XXXX XXXX further declared within its publication titled Role of the Corporate Trustee enclosed hereto as Exhibit 2, that : ( 1 ) As Trustee, XXXX XXXX   XXXX XXXX XXXX XXXX performs the following responsibilities. Does not initiate, nor has any discretion or authority in the foreclosure process .... ( Id. at Page 2 of 4 ) ( 2 ) All trustees for XXXX transactions, including XXXX XXXX, have no advance knowledge of when a mortgage loan has defaulted. Trustees on XXXX  transactions, while named on the mortgage and on legal foreclosure documents, are not involved in the foreclosure process. ( Id. at Page 2 of 4 ) ( 3 ) As noted, the trustee does not play a role in initiating or managing a foreclosure process and consequently has little, if any, information relating to mortgage loan activities including a foreclosure. Depending on the particular trust and pool, the trustee may have very limited information on either the borrower or the property. ( Id. at Page 2 of 4 )
Consumer complaint received 2020-10-08
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. (CO)

I have reached out to Experian in regards to an account listed on my credit report requesting validation that this debt is in fact mine. Experian claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Experian seeking proof of this debt : Experian XX/XX/2020, XX/XX/2020, XX/XX/2020 Experian continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. The account number is XXXX ( {$330.00} XXXX
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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. 

XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX Account Number : XXXX : XXXX Account XXXX XXXX XXXX  Account Number : XXXX XXXX Account XXXX Account XXXX XXXX Account XXXX Account XXXX XXXX. Validate Account XXXX XXXXXXXX Account XXXX XXXX Account XXXX Account XXXX XXXX Account XXXX Account Number : XXXX XXXX Account XXXX  Account XXXX 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 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX phone : ( XXXX ) XXXX Acct # XXXX Balance {$5200.00} status : open Date XXXX Balance update : XX/XX/2022 I have disputed this account several times to all 3 bureaus. XXXX deleted the account on XX/XX/2022 and now it has returned to my credit report. I have never heard of this company. Nor have I signed any financial agreements for education from this company.
Consumer complaint received 2024-09-18
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nelson Cruz & Associates LLC (TX)

I dont know the company name. It has disappeared from my texts. One lady identified herself as XXXX XXXX and gave me phone number if XXXX. Said they were collecting on a XXXX XXXXXXXX debt from XXXX for {$6800.00}. XXXX XXXX was going to call me tomorrow with details. I called insurance company and there is no such debt. Meanwhile I gave this company every possible bit of information about me. I think on my caller id it was Nelson something. The number I called them back on isnt on my phone log. Besides calling my bank what do I need to do to protect myself?
Consumer complaint received 2022-06-13
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. (OK)

The following entities/XXXX  accounts has violated my rights. In accordance with the fair credit reporting act. 
15 U.S.C 1681 section 602 A states that I have a 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 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ... .Also my information has been comprised by the XXXX data breach and may have gotten into the hand of the wrong person.