davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-02
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. (OH)

Experian, XXXX and XXXX refuses to remove inaccurate reporting information on my credit report. I submitted proof of conflicting information that was stated to be verified by Experian, XXXX and XXXX. Experian stated they will not remove information based on what is presented from other agencies. All agencies stated verified information from original account holder. The most recent example is from XXXX XXXX XXXX. All 3 agency 's stated account was verified, twice. After contacting the original creditor and presented a letter to Contract Callers, Experian, XXXX and XXXX advising of accounting error. On XX/XX/2021 XXXX XXXX that original account holder that sold to Contract Callers confirmed at XXXX the balance was incorrect, payments were not applied to account correctly and account should not have been sent to collections. No good faith investigation to verify inaccurate information was conducted on the first or second attempt by Experian, XXXX or Experian or XXXX XXXX XXXX. I have sent all three agencies a merged 3 agency report showing factual discrepancies in their investigation and reporting but all came back information verified, which is not possible. I have since filed a small claims lawsuit against Experian, XXXX and XXXX in small claims court in XXXX, Ohio for damages and removal of account.
Consumer complaint received 2022-06-11
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. (GA)

In accordance with the Fair Credit Reporting Act. This 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-11
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. (GA)

In accordance with the Fair Credit Reporting Act. This 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-12
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 — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION (NC)

In XXXX I purchased XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX, NC. The bank that financed the vehicle was Suntrust Bank XXXX, XXXX XXXX XXXX, XXXX, Va XXXX, phone # XXXX. The problem is that BB & T and Suntrust banks merged to become Truist Bank. In the last part of XXXX, early XX/XX/XXXX two credit lines for {$39000.00} each. The account number with Truist account is XXXX. The account # for Suntrust ends in XXXX. I have two credit lines for {$39000.00} on my XXXX credit report. I contacted the credit bureau by electronic dispute, several times in the last three months, but they keep stating that the creditors are reporting the information correctly each time. Therefore, I went by the XXXX local branch and also two different XXXX, NC branches for them to correct the problem. On XX/XX/XXXX I paid the XXXX XXXX XXXX off, because all the phone calls, all the visiting the local branches was causing me XXXX and XXXX, I also sent a certified usps letter, with details about the accounting error the banks had made on my XXXX credit report. Once I paid the vehicle off, I thought both banks would report to XXXX properly and with the correct accounting information for both errors on XXXX, which created more debt, unnecessarily on my credit which causes other credit problems, debt ratio and false information being reported as accurate. The case number # XXXX for the letter I recieved from Truist Bank, Credit Dispute Department, XXXX XXXX XXXX, XXXX, NC XXXX, dated XXXX. The Truist Bank stated that the two accounts information is being reported correctly and there are no changes necessary. They stated that the information I am disputing was furnished correctly. XXXX as of XXXX is still reporting false information that it appears that the Truist Bank is providing. The bank is wrong and I feel bad, XXXX, and XXXX because I can not get the bank or the XXXXXXXX XXXX XXXX to do the just, proper, or right thing based on the merger and cosumer contract law, and the violation of the law under FCRA and the consumer protection act of USA. I am requesting some results and some correction and some pay, if my case meet the criteria for me to get paid by the bank and the XXXX XXXX XXXX
Consumer complaint received 2022-06-12
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. (DC)

I received a letter from XXXX XXXX in XXXX of 2022 informing me that the late payment on my credit report will be removed from all three Credit Reporting Agencies. However, its still reporting on all three credit reports.
Consumer complaint received 2022-06-12
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX/ XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2020-11-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TrueAccord Corp. (MO)

I am contacted repeatedly by XXXX at this collection agency : TrueAccord account number : XXXX At this time, no attorney has personally reviewed the particular circumstances of your account. However, if you fail to contact us about this account it will be returned to our client who then may forward it to a local attorney for the purposes of filing suit. We'd like to avoid this, and find a way to work together. Learn More.

Your support team at TrueAccord wants to help you get your balance resolved XXXX, wed like to work with you regarding your outstanding balance of {$710.00} with XXXX XXXX XXXX because theyve given us a short period of time to help you resolve your balance. 

If a payment arrangement is not set up while your account is with us, XXXX XXXX XXXX may review your account for potential placement with a law firm for legal review. 

I was even contacted at XXXX on XXXX. I have stated multiple times that I purchased the protection to use if unemployed and contacted the credit card company and told them I was unemployed but they continued to charge fees and run up the card. This in my opinion is fraud. When I ask for validation of the debt I only receive a statement that would have been mailed from the credit card company with the balance on it. No paperwork or anything from the initial contact showing I signed up for the protection.
Consumer complaint received 2022-06-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

PLEASE REMOVE ALL LATE PAYMENTS FROM ACCOUNT : XXXX Account number XXXX PLEASE UPDATE THIS ACCOUNT TO : Paid, Closed/Never late. I WAS NEVER LATE ON THIS ACCOUNT, AFTER SPEAKING WITH THIS COMPANY THEY ASSURED ME OF THIS, YOU WERE CONTACTED ON THIS MATTER AND SHOULD HAVE UPDATED THIS ACCOUNT TO " Paid, Closed/Never late. '' WITH NO LATE PAYMENTS REPORTING. SO HOW IS EQUIFAX STILL VERIFYING THESE LATE PAYMENTS IF THE COMPANY HAS NO KNOWLEDGE OF THIS AND HAS CONTACTED THEM OVER 30 DAYS AGO? PLEASE FIX THIS ISSUE IMMEDIATELY.
Consumer complaint received 2022-06-12
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. (FL)

In accordance with the Fair Credit Reporting act, XXXX XXXX  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 an account without my written instructions.
Consumer complaint received 2022-06-12
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. (NJ)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THIS ITEM FROM MY FILE TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. REMOVE THIS ITEM IMMEDIATELY OR MY ATTORNEY WILL BE INVOLVED! THIS INFORMATION IS ENTIRELY INACCURATE AND INCOMPLETE AND AS SUCH REPRESENTS A VERY SERIOUS ERROR IN YOUR REPORTING!!
Consumer complaint received 2021-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been disputing with transunion about a dismissed bankruptcy chapter XXXX that is showing up on my credit report i never filed this bk it doesnt belong to me someone else filed under my name as Ive been a victim of identity theft. I contacted XXXX XXXX and no bankruptcy is showing on their system I also contacted the Federal Bankruptcy and they stated they Never report any bankruptcy case to any credit reporting agency. I sent all documents to Transunion and said they have verified the bankruptcy with the courthouse which that is not true cause the Bankruptcy courthouse doesnt report to any credit reporting. Transunion is lying and is in violation of 15 USC 1611 and 16 CFR.
Consumer complaint received 2022-06-12
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. (NJ)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THIS ITEM FROM MY FILE TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. REMOVE THIS ITEM IMMEDIATELY OR MY ATTORNEY WILL BE INVOLVED! THIS INFORMATION IS ENTIRELY INACCURATE AND INCOMPLETE AND AS SUCH REPRESENTS A VERY SERIOUS ERROR IN YOUR REPORTING!!
Consumer complaint received 2022-06-12
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX / 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 an account without my written instructions.
Consumer complaint received 2022-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Johnson Mark LLC (UT)

XXXX XXXX has shared my personal illegally with the scam company Johnson Mark without notifying me of selling my information. Johnson Mark has also obtained my current address illegally. I have not disclosed my personal address to anyone so, again with the privacy violations. This debt isn't even mine. I have researched Johnson Mark in my state and they don't even have a collection license. XXXX XXXX has also shared my personal information with attornys in the area. I have received several law agencies contact me in regards to debts that are only specific to XXXX XXXX. What kind of XXXX  are they running? Create a XXXX make up an account and start collecting without any kind of contract or agreement. Where is all of this proof the account is mine if it's mine? You will have contract signatures, signatures on receipts, if you send a letter of notification that you are selling someone's information a delivery receipt from the USPS would prove that. They haven't been able to prove anything except they want to steal money. Now, I have to deal with a scam company like Johnson Mark which has a website with no information that could've been made by a XXXX XXXX XXXX. No reference to a collection or law license. Just a portal to take your money. The phone numbers on their website don't work.
Consumer complaint received 2022-06-11
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. (GA)

.In accordance with the Fair Credit Reporting Act. This List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

Loan was included in my XXXX XXXX that was discharged by the court as of XXXX. 
I have returned their car back, sent messages via their site ( XXXX XXXX ) called a couple of times, attached a copy of the discharge to their site and via email. The attorney that filed the Bankruptcy has even emailed them letting them know that they should stop defying court order, yet, they still keep reporting it on my credit report as missed payments and the account isn't still closed. While every month i get emails and mail in my mail box of statements from them to make payments. 

I would think that XXXX XXXX would know a bankruptcy discharge operates as an injunction against the commencement or continuation of any act to collect or recover a debt as a personal liabilty of the debtor is properly a basis for civil contempt proceedings.
Consumer complaint received 2020-11-27
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. (AZ)

Checking my credit report from TransUnion? XXXX credit services it shows on my credit report that I " XXXX XXXX XXXX paying a second Mortgage to " XXXX XXXX  XXXX. The Only Mortgage that I am paying and I am very current and open and with excellent standing is through XXXX XXXX XXXX Mortgage Acct. # XXXX for XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX # XXXX. 
And the one from XXXX XXXX  XXXX ID Number starts with XXXX ....?? with a balance of {$62.00}, XXXX. Which its NOT MINE MORTGAGE at all! I called XXXX XXXX bank and explained my situation and told to file a complaint through CBPF. Even XXXX XXXX its Part of XXXX but it is showing a Mortgage that its NOT MINE! Please investigate this matter and get my credit report correct! Please!
Consumer complaint received 2020-11-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC (VA)

On XXXX I filed two complaints against CASCADE CAPITAL , LLC. Complaints XXXX, and XXXX. Complaint XXXX was closed as a duplicate. Complaint XXXX was resolved with the attached response. The response details information and timelines on the debt that I will neither confirm nor deny at this time. However, more importantly, in this response, CASCADE CAPITAL , LLC states that " due to the repeated complaints filed by the consumer CASCADE CAPITAL , LLC is opting to close both accounts out as a refusal to pay. CASCADE CAPITAL , LLC has recalled both accounts and placed them in a status that will prevent them from being reassigned or resold. '' However, on XXXX, nearly 6 months later, I received the attached two letters from XXXX XXXX XXXX attempting to collect the accounts that CASCADE CAPITAL , LLC should have " closed out '', per the previous agreement. Note that CASCADE CAPITAL , LLC is named as the debt holder on both letters. According to the attached call recording, CASCADE CAPITAL , LLC had no intention on following through with this statement as the XXXX XXXX XXXX agent had no idea what I was talking about when I brought this to their attention. The account had been reassigned to XXXX XXXX XXXX  despite the agreement made through the CFPB via complaint XXXX.
Consumer complaint received 2022-06-11
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. (MA)

Good evening, I see that XXXX XXXX XXXX XXXX XXXX sent an account to collections that doesn't belong to me, and I believe that I'm a victim of identity theft. They are saying that I had a XXXX XXXX for {$2500.00} that doesn't belong to me. I can prove that this isn't my account because my credit score wasn't high enough to obtain a credit card from XXXX XXXXXXXX in XXXX for an amount that is this high. I've attached a copy of the identity theft report from identitytheft.gov. I also added some pdf 's from the Equifax Credit report saying that this account is on my credit report as of today XX/XX/XXXX even though it should not be. I also added a copy of my U.S. Passport and my social security card in an attempt to prove my identity. I'm going to also mail in a paper copy of this complaint to Equifax to make sure to they receive my complaint about this account that should deleted from my credit report.
Consumer complaint received 2021-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MA)

hi Midlandmcm ; Im confused and stressed and 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 XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-06-11
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. (NC)

In accordance with the Fair Credit Reporting act The companies in the attached document have violated my rights. 15 U.S.C 1681 section 602 A. States that 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 instruction.