davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-11
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: Colony Brands, Inc. (NC)

Upon checking my credit report in early XXXX of this year, it came to my attention that Monroe & Main listed a very old account as past due. I had no knowledge that this account was still open let alone used for any purchases. It was only {$150.00}, so I decided to pay the balance and asked Monroe & Main to close the account indefinitely and to remove this account from my credit reports so in exchange for the full amount due. They did accept the payment ( XXXX  ), but refused to honor my request to close the account and remove it from my credit reports. 

In accordance with the Fair Credit Reporting act Monroe & Main 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 2023-06-11
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. (GA)

The credit bureaus are in violation of my rights please help. They keep saying an account is verified as accurate, without providing me with any data on the account, and any proof of their method of investigation, and their so call real dispute results or the documentations prompting them to say the accident accurate. I even reached out to the credit, I was at first told that there is a fraudulent account in my name, that it will be deleted within 30 days, and then I received an email days ago saying they don't have any accounts under my personal information, so I am super confused, but either way the account is fraudulent and not mine, and would like it deleted from my credit report. Please see attached documents!
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (NY)

I am writing to ask that the following accounts be deleted at your earliest convenience : XXXX, XXXX due to multiple FCRA Violations ranging from incomplete information, inaccurate info incorrect account number, date of last payment contradicting the payment history, charged off account reporting high credits, and balances has detrimentally impacted my consumer report. Ive disputed this matter several times the latest date was XX/XX/2023, which resulted in these account comming back as updated and verified with the inaccurate information still reporting which is in clear violation of U.S.C 1681
Consumer complaint received 2023-06-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (PA)

XXXX has giving me the run around several times on this account. 

I talk to them several times in which different amounts they mail me. 

Someone from XXXX tells me after several attempts to get this resolved but no one follows up from XXXX to clear this up XXXX giving me XXXX Bills with different amounts I have for {$390.00} & {$270.00} But was told XXXX XXXX said on the phone {$260.00} and they clear the amount to sttle on thsg amount in which I never got the bill for the said amount after several attempts. 
This robot or AI machine in which has several issues its nit no human I have attached from XXXX XXXX different bills with different amounts they mail after I had disputed the bill.
Consumer complaint received 2023-06-11
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: SYNCHRONY FINANCIAL (FL)

In accordance with fair credit Reporting act XXXX  Account # XXXX, has violated my rights.15 USC 1681 Section 602 States I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. XXXX USC 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 2023-06-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

To whom it may concern : Be advised this is not a refusal to pay, but a notice that this claim is disputed, and validation is requested. Under the Fair Debt collection Practices ACT ( FDCPA ), I have the right to request validation of the debt you say I owe LVNV FUNDING LLC. I am requesting proof that I am indeed the party you are asking to pay this debt, {$130.00} and there is some contractual obligation that is binding on me to pay this debt to LVNV FUNDING LLC. 
This is NOT a request for verification or proof of my mailing address. This is a request for VALIDATION made pursuant to 15 U.S. Code 1692g Sec. 809 ( b ) of the FDCPA, Validation of Debts. I respectfully request that LVNV Funding LLC provide me with competent evidence that I have any legal obligation to pay. Second, FDCPA15 U.S. Code 1692c ( a ), Communication in connection with debt collection, states communication with the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I have not given LVNV Funding LLC the above written consent to contact me in connection with the collection of any debt. I do not have signed contract with LVNV Funding LLC and I am unaware of how they have obtained my personal identifying information without my knowledge and consent. I have not signed a contract form to authorize LVNV Funding LLC to have access to my personal information. This information collected by LVNV Funding LLC is a gross and tortious effort to disregard my privacy and clearly violates my rights as well as FCRA and FDCPA laws. I am disputing the validity of this alleged debt. Specifically, there does not exist a written contract signed by both parties and me as specified in the XXXX of XXXX creating a contract that obliges me to LVNV Funding LLC. I request LVNV Funding LLC provide a signed contract between me and LVNV Funding LLC regarding the allege debt or immediately cease and desist all harassment of alleged debt and remove all items totaling {$130.00} from credit reporting agencies, XXXX, XXXX and XXXX
Consumer complaint received 2024-10-25
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. (NY)

A student loan was taken out in my name without my permission. I found out when I received a bill in the mail in 2019 I went up to the school show my ID did my signature signing did an affidavit and reported it. I sent them everything they asked for and still having the runaround. With these people going on fire years is sad. I did a police report and all and they keep sending me the same paper to fill out to send back to them. Im not about to keep doing that they have all the information and now they asked me for my Social Security number. Dont feel safe give them my Social Security number. They never had it in the first place so they not gon na have it now.
Consumer complaint received 2023-06-11
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. (FL)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX account name XXXX XXXX account # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 XXXX 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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

DID NOT WANT TO FIX BY PHONE NOR INTERNET.. i IT IS ALLMOST IMPOSSIBLE TO GET APPROVED FOR CREDIT AND ANYTHING EALSE .I DONT LIKE IT SO PLEASE REMOVE IT ....
Consumer complaint received 2024-10-25
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. (FL)

Request for Deletion of Inaccurately Reported Charged-Off Debt from XXXX XXXX XXXX .

To Whom It May Concern : I am writing to formally request the deletion of an inaccurately reported charged-off debt from XXXX XXXX XXXXXXXX. that appears on my consumer report. XXXX XXXX XXXX has refused to issue a 1099-C form for this charged-off debt, stating that the debt remains my responsibility despite being reported as charged off on my consumer report. Their response to my request for accurate reporting under federal law remains unsatisfactory. Please note that I have previously filed a formal complaint with the Consumer Financial Protection
Bureau ( CFPB ) regarding this issue. XXXX XXXX written response to the CFPB, which I have attached, confirms that they " can not accommodate my request for a completed 1099-C form '' and assert that the debt remains my responsibility. This failure to issue a 1099-C contradicts Ally Financials reporting obligations under IRS Code 6050P, which mandates that canceled or forgiven debts be reflected in consumer reports with a corresponding 1099-C form issued to the debtor.

Furthermore, under the Fair Credit Reporting Act* ( FCRA ), 15 U.S.C . 1681s-2 ( a ), creditors have an obligation to report information accurately to consumer reporting agencies. By declining to provide a 1099-C for the charged-off debt while asserting that I still hold responsibility for it, XXXX XXXX is presenting an inaccurate and misleading report of my credit history. I request that this charged-off account be removed from my consumer report to maintain the accuracy and integrity of my financial record.

Please find the attached CFPB response from XXXX XXXX XXXX for your reference in supporting this deletion request. I appreciate your prompt attention to this matter and am available to provide any additional documentation if necessary.

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (NY)

I was notified by XXXX XXXX courts I was sued by XXXX XXXX XXXX for a credit card debt that was not on my credit report, I have no knowledge of this debt and they froze my chase account and took XXXX. I went over my credit report and this account was charged off in XXXX. It's over the XXXX year debt and it's violations of my consumer rights. 

When I called the attorney XXXXXXXX XXXX XXXX I was told I should have showed up to court and got hung on. I called back and tried to tell the office they have the wrong person and was told they do investigate and its my debt. 

I never heard of midlanding funding LLC. I tried calling there company was giving the run around In the last XXXX years I have been battling XXXX and was in and out of the hospital. They took my whole XXXX check, and left me with nothing. 

I requesting my money back in the amount of XXXX How can you sue someone for debt that never appeared on your credit report or charged off. 
This is the paperwork I received in the mail after I called and called each company.
Consumer complaint received 2024-11-09
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. (CA)

My concerns arise from discrepancies between the information reported and my knowledge of my own financial history. I consider these queries to be inaccurate and/or incomplete for the following reasons As defined in 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

I do not recall opening or transacting with the entity associated with this account. Also Possible Fraud Given the lack of recognition and the absence of verifiable information, I suspect this account may be fraudulent.
Consumer complaint received 2023-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC (AZ)

Thank you for your support in handling this matter. 

My account was started XX/XX/XXXX and according to XXXX, cancelled XX/XX/XXXX. 
This is INCORRECT as I transferred ALL of my phone lines to XXXX XXXX XXXX XX/XX/XXXX. 

I have made numerous ( over 20 at least ) attempts to gather information via phone and email from XXXX Frontline Asset Strategies, and XXXX XXXX XXXX 

XXXX has given me multiple INACCURATE reasons for the collection : XXXXThey first told me that the account wasn't in my name, and therefore could not give me any information -The collection was due to an account they kept open even AFTER I transferred my phone lines ( XXXX XX/XX/XXXX ) -The collection was due to unpaid balance on a phone device -That the last bill on file was from XX/XX/XXXX for XXXX 
-That the last bill on file was from XX/XX/XXXX for XXXX -That the last service bill was from XX/XX/XXXX, and that there was a " {$100.00} for service charge, {$11.00} for late fee, equaling {$400.00} ''. 

A XXXX representative in XXXX of XXXX had assured me that the manager had assisted her in removing the erroneous information and I no longer owed anything- THEN soon after, they sent me to collections. 
I had asked for the voice recording of that call, to which they responded they do not provide those because they are only for training purposes. 

XXXX XXXX, a manager for Frontline Asset, REFUSED to give me any information on the start/end date for the collection account, or why the collection was transferred after I had submitted proof to them that I did not owe anything ( even after I explained to him that it was my right as a consumer to have information regarding a debt that was being attempted to be collected ). 

However, I appreciate those at XXXX because they have been very responsive and have helped me get in touch with XXXXXXXX multiple times. 

I asked XXXX for a year 's worth of statements, billing information, and payment information. 
I was given a generic statement stating that I owe a little over {$400.00}. 
There was NO INFORMATION on the bill statement for what the amount was in regards to or what it included. 

I have never been late or missed a phone payment, and I was told I needed to pay off both the phone device and any due debt prior to transferring my lines to XXXX XXXX XXXX. 

This collection is impacting my credit and also just causing me overall frustration and stress because I know that I do not owe any debt. 

I am attaching the statement from Credence stating that the bill service date is from XX/XX/XXXX and later- After I had already transferred all my phone lines ( shown in XXXX XXXX XXXX XXXX statment ). I am also attaching the disputes I've placed. 

After the overall dissatisfaction with my customer experience, I also began recording a few of the phone calls that took place with XXXX I have those also if needed.
Consumer complaint received 2020-11-18
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: WELLS FARGO & COMPANY (CA)

On XXXX XXXX, 2020, WF CRD SVC add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, WF CRD SVC add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (NY)

The Mortgage Company, Flagstar, refuses to send to me a monthly statement. I have spoken to a customer service representative and demanded the monthly statement. I have not received one in months. Perhaps I am merely being XXXX but I doubt that I am the only person experiencing this problem. No doubt Flagstar found it to be a cost savings move to stop sending statements. But, I think more is behind it. Without a monthly statement, I was late on a payment, which resulted in a penalty. This is the first time this has ever happened to me. Perhaps, this is a deliberate policy on Flagstar 's part. First, they save money by not sending statements ; then second, people will inevitably be late in payment, resulting in a windfall to added late fees. In light of other widely reported banking illegal practices, such as at XXXX XXXX and XXXX, I don't think that my suspicions are unwarranted. At the least, I want my monthly statement, but I believe that an investigation may reveal a more widespread practice.
Consumer complaint received 2023-06-11
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. (IL)

On ( XX/XX/2023 ), I received a notification from TransUnion stating that they received my information and dispute letter. However, they refused to investigate the matter, claiming that it was not properly authorized by me and that it XXXX have originated from a credit repair company. Dealing with this ongoing problem with TransUnion for months has left me incredibly frustrated and irritated. I strongly believe that my rights as a consumer are being disregarded. It's infuriating that despite my attempts to challenge any inaccuracies, I receive the same response every time I send a letter.
Consumer complaint received 2023-07-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (GA)

I have a court ordered if a {$0.00} balance judgment with XXXX XXXX XXXX National Credit System is placing that on my account knowing I have a court disposition saying it do not know owe this apartment complex. I tried contacting to send them the court disposition but the manager keeps giving me the wrong email address. I called XXXX and the manager XXXX has a personal issue with me, shes aware that I do not owe this and has been harassing me via email about this. She also threaten that she knows someone at the collection Agency and that they will placed it on my report. XXXX XXXX courts instructed me to give the court disposition to the 3 major credit bureaus if they attempt to place this on my credit. Which they did I am disputing this with XXXX currently.
Consumer complaint received 2023-06-11
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. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-07-30
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. (AZ)

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 U.S.C 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681a. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681a2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN PERMISSION.

15 U.S.C 1681i5. ALL ABOVE ACCOUNTS HAVE VIOLATED MY RIGHTS, REPORTED INACCURATE INFORMATION, AND THEY ARE TO BE DELETED IMMEDIATELY.

THE ABOVE ACCOUNTS ARE ALSO IN VIOLATION OF 15 U.S.C 1692.

15 U.S.C 1692e8. COMMUNICATING INFORMATION KNOWN TO BE FALSE. DELETE IMMEDIATELY.

THE ABOVE ACCOUNTS ARE ALSO IN VIOLATION OF FCRA Sec 623a3 [ 15 U.S.C 1681a2 ] RESPONSIBILITIES OF FURNISHERS.

THE ABOVE ACCOUNTS ARE ALSO IN VIOLATION OF FDCPA Sec 807 ( 8 ) FALSE OR MISLEADING REPRESENTATIONS.