davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2024-08-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-09-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

DEBT VALIDATION LETTER Date : XX/XX/XXXX To Whom it May Concern : This letter is being sent to you in response to a notice sent to me on XX/XX/XXXX regarding account XXXX advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
Sincerely, XXXX XXXX XXXX XXXX XXXX of XXXX
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

attempting to get small loan .They Ran credit w/o permission..and I have inquries... I was unaware they never told me they would run my credit..I 'll never let this happen again through a 3rd party company, The Attorney said reach out to credit agency, ..actually told me to call ... .also view attached letter
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

In XX/XX/year>, I hired a lawyer and informed XXXX XXXX that I would be filing for Chapter XXXX bankruptcy. The bankruptcy was officially filed on XX/XX/year>, and it was XXXX at the end of XXXX or early XXXX. Despite multiple attempts to notify the credit bureaus that all collection actions should have stopped in XXXX after my lawyer contacted them, XXXX XXXX continues to report " late payments '' or " missed payments '' during the bankruptcy proceedings. This seems unethical, as it goes against my rights and undermines the very purpose of bankruptcy. I would like to request action on this matter.
Consumer complaint received 2024-08-13
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 2024-11-11
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)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-11-11
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. (MA)

in accordance with the Far Crear Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Phone : ( XXXX ) XXXX, has violated my rights 15 U.S C 1681 section 602 A. States | have the right to privacy 15 U S C 1681 Section 604 A Section 2 : It aiso states a consumer reporting agency can not furnish a account without my wrten instructionse
Consumer complaint received 2024-11-01
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. (TX)

There are XXXX hard inquiries that showed up recently on my credit report that are not mine. 
One was for a XXXX XXXX XXXX XXXX on XX/XX/XXXX and the other for XXXX XXXX  Bass Pro shop also on XX/XX/XXXX. I have not banked with XXXX XXXX for many years and I do not shop at Bass Pro Shop. I believe these inquiries belong to my brother. We share a birthday, similar names and social security numbers that are nearly identical. Please help me remove these hard inquiries.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX Dear Transunion, I have never entered into a contract with the creditor and collection agency listed below. Therefore, I request that this account be removed because it is inaccurate, and not 100 % on my credit report. My next decision will be to file a lawsuit for statutory damages for inaccurate reporting. I have disputed this several times and nothing seems to be done or accomplished. Therefore, I will include TransUnion, XXXX, & Velocity into my lawsuit. 

I have requested a copy of the original contract with my original signature. I have requested a copy of the payment history made by me. I have requested the proof of the debt assignment and proof that I legally owe this debt. And lastly, none of these companies supplied back to me what I requested and it has been more than XXXX, which I will include in my lawsuit if not removed from my credit report. And they have never sent me a 1099c because I never entered a contract with this creditor. 

XXXX XXXX XXXX account with account # XXXX opened on XX/XX/year> and a balance of {$0.00}. XXXX FCRA XXXX XXXX, it is illegal to report inaccurate information on my credit report. Please remove this item from my credit report. 15 U.S. Code 1681 ( 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 theft. The account listed above should not be furnished in my consumer report as it is in VIOLATION!!! Under, 15 U.S. Code 1681 ( b ) - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which VIOLATES my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of this account. I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX ( MO ), XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists. 

Thank you for your assistance. 

I personally signed and sent this letter. I am NOT being represented by any credit repair agency or third party. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 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. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-11-11
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. (CA)

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion.

Please delete the following account XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$1200.00}
Consumer complaint received 2024-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I request that TransUnion provide the documentation used to verify the following inaccurate items as accurate : XXXX  XXXX XXXX, XXXX, XXXX, and both XXXX  XXXX accounts.
Consumer complaint received 2024-09-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PNC Bank N.A. (TX)

Dear Sir/Madam, I am writing to formally file a dispute against PNC Bank regarding the recent denial of my auto loan application submitted on XX/XX/year>. PNC Bank has violated my consumer rights as outlined in 15 USC 1602 and related laws. This letter serves as both a formal complaint and a pre-arbitration notice, as provided by PNC Banks arbitration agreement.

**Violation of Consumer Rights under 15 USC 1602 : ** As a consumer, I am entitled to access credit as a matter of my right under ( 15 USC 1602 ). Denial of my application without proper cause and without adherence to federal regulations governing my rights to credit constitutes a violation of this federal statute. I am aware of the Equal Credit Opportunity Act ( ECOA ), which prohibits denying a consumer credit without a valid reason. In this case, no valid, lawful reason has been given, nor have my rights to access credit been upheld.

**Securities Fraud : ** Additionally, the withholding of my own securities and the denial of benefit after applying for credit is tantamount to securities fraud. Upon submission of my application, I was supposed to receive access to credit, which I did not. This breach must not be ignored, as my security is being withheld unlawfully, causing me harm and depriving me of access to necessary credit.

**Failure to Adhere to Arbitration Agreement : ** PNC Bank 's own arbitration agreement clearly states that customers should attempt to resolve any disputes by contacting the bank first. I complied with this directive and called PNC Bank on the morning of XX/XX/year>, seeking remedy for this violation. However, none of the representatives I spoke to were familiar with the consumer rights issues I raised, nor was I given access to a supervisor or manager when I requested to escalate the matter. This further demonstrates PNC Bank 's failure to resolve the issue through the proper channels as set forth in their own agreement. 

**Demand for Remedy : ** I am demanding immediate action, specifically, I request that : 1. PNC Bank provide the benefit I was entitled to when I applied for my auto loan.

2. Any adverse action taken against my application be reviewed and corrected in accordance with federal law.

If I do not receive a satisfactory resolution to this matter, I will proceed to arbitration as outlined in PNC Banks agreement to seek the remedy I am entitled to under the law.

I expect a prompt and comprehensive response to this letter. Please contact me at your earliest convenience to resolve this matter. 

Thank you for your attention to this important issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name XXXX  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2015-07-06
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: ENCORE CAPITAL GROUP INC. (OH)

This company came after my husband many years ago about this dept. He tried to settle with the help of a lawyer. They would not settle. many years later they came after me. I had no knowledge of what had happened. My husband told me to ignore this company he was dealing with them. The next thing I know they are calling me to court, I went to the courts and explained that this was not my dept and it was my husbands, the judge allowed {$300.00} a pay garnishment from my pay, {$600.00} a month. I told them I have my mom living with me and kids, I would lose my car and my job without a car. I had to share my insulin with my mom because I could n't afford to help her out when they took the first XXXX then pay XXXX to file bankruptcy. I had to stop them from taking my money at this amount. After going over everything I decided not follow through with the bankruptcy, I could not pay off my other debts because of this one. I had good credit up until this happened. I have tried to have this resolved and got nothing but hassled garnished my wages, I had to endure humiliating moments that had me in tears, missing work and sharing my medication so my mom would not get sick. This company showed up out of nowhere demanding all this money, we have asked for proof. They gave us no solid proof and did not work with my husband many years ago and now they have caused me personal problems. Like I said earlier, my credit score will speak for itself. before this happened my credit was good and now I have bankruptcy even though I did not go through with it, I ca n't become what I hate and XXXX over other companies to get out of this problem. I am hoping somehow you can help me and others from this company.
Consumer complaint received 2024-11-16
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Diverse Funding Associates LLC (FL)

Dear Consumer Financial Protection Bureau ( " CFPB '' ), I am filing this complaint against Marcadis Singer P.A. ( Marcadis ) and XXXX XXXX, XXXX ( DNF ) for willful violations of the Fair Debt Collection Practices Act ( FDCPA ), the Florida Consumer Collection Practices Act ( XXXX ), and other applicable laws. 

Marcadis and XXXX engaged in unfair and deceptive practices by filing a frivolous lawsuit against me, falsely alleging that I owe a debt of {$7000.00}. The lawsuit was signed by XXXX XXXX XXXX, a debt collector, who has no legal standing to sue me. Despite my repeated requests, neither Marcadis nor XXXX has provided proof of ownership or a valid chain of title for the alleged debt. Their actions constitute unlawful and deceptive practices under state and federal law. 

Furthermore, prior to these actions, I never provided consent for either Marcadis or XXXX to contact me. Their actions constitute an intrusion upon my seclusion and an infringement of my right to privacy. They unlawfully obtained and used my identifying information without my knowledge or lawful consent. 

Under duress and intimidation, I was coerced into making payments totaling {$800.00}. They threatened harm if I did not comply with their frivolous lawsuit. This coercion, combined with their refusal to provide proper documentation, has caused me significant emotional distress, humiliation, and financial harm. 

I demand that Marcadis and XXXX immediately refund the {$800.00} collected through their unlawful practices and cease all further collection efforts. I will no longer participate in this illegitimate proceeding and will pursue legal action for the violation of my rights under applicable laws. 

Please see the attached documents supporting this complaint. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX All Rights Reserved Without Prejudice, UCC 1-308
Consumer complaint received 2024-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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.

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.