davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-13
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: EQUIFAX, INC. (GA)

In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681. Account name : Dept of EdXXXX XXXX XXXX Account # XXXX, 15 U.S.C 1681 Section 602A. States i have the right to privacy 15 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c Section ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following item 's 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 1681 ( s-2 ) ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Experian Dispute Department XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Dispute and Request for Deletion of Charge-Offs, Collections, and Late Payments [ Your Report Confirmation Number or Date ] Dear Experian, I am writing to formally dispute certain information on my credit report under the Fair Credit Reporting Act ( FCRA ) and request the deletion of the following charge-off, collection, and late payment accounts. These accounts contain inaccurate or outdated information, and I request their removal to accurately reflect my credit history. 

1. XXXX XXXX ( Account ending in XXXX ) Balance : {$540.00} Status : Charged-off Dispute Reason : This debt has been sold to a collection agency. The charge-off status should be deleted or updated to show a {$0.00} balance. Additionally, I request the removal of the associated late payments on this account. 

2. XXXX XXXXXXXX XXXX ( Account ending in XXXX ) Balance : {$580.00} Status : Charged-off Dispute Reason : This debt was sold to a collection agency, and the charge-off status should be deleted from my report. I also request the removal of the late payment history on this account. 

3. XXXX  ( Account ending in XXXX ) Balance : {$3700.00} Status : Charged-off Dispute Reason : This account was sold to a third-party debt buyer, and the charge-off and all associated late payments must be removed. 

Legal Basis for Deletion Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i : The FCRA grants me the right to dispute inaccurate, outdated, or unverifiable information. Since these debts have been sold, the original creditors no longer have the right to report them as charged-off or to include late payment histories. I request that all late payments and charge-offs be deleted from my report. 
Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) : I also invoke my rights under FDCPA Section 1692c, which prohibits communication through any medium, including credit reporting. As these debts have been sold, the original creditors and collection agencies must cease reporting them on my credit file. 

Cease and Desist Request I request that Experian cease any communication regarding these debts through my credit report. Please ensure the deletion of the charge-offs, collections, and late payments from my credit file. 

Please confirm in writing once these changes have been made. If you need further information, I can be reached at XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-18
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: Experian Information Solutions Inc. (NY)

I just noticed unauthorized inquiries on my credit report this morning, and Im not sure why theyre there. I routinely check my report, but this time, there were unexpected discrepancies. I tried refreshing the browser, hoping it was a glitch, but nothing changed. The unauthorized inquiries remained, so I am urgently requesting that you carefully review the documents Ive submitted to resolve this once and for all.
Consumer complaint received 2023-07-05
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-05
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. (CA)

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX
Consumer complaint received 2023-07-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NJ)

Midland Funding LLC - a debt collection agency have been harassing me for more than 5 years regarding an account fraudulently opened under my name and somehow connected to XXXX XXXX  in the amount of {$1900.00}. They repeatedly call odd hours in the week and have reported inaccurate data to the credit bureaus. I have requested multiple times for the original contract/documentation referencing the so called owed debt with my affixed signature and yet to receive response. I am filing this complaint because they have managed to dent my credit with inaccurate information and are possibly doing the same to vulnerable individuals. 

Midland Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : XXXX
Consumer complaint received 2023-07-05
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. (IN)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-05
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update or delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX
Consumer complaint received 2023-07-05
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. (NC)

consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # XXXX Balance {$3100.00} XXXX XXXX XXXX ( inquiry ) XX/XX/XXXX XXXX XXXX Account # XXXX Balance XXXX $ Experian Business Cred ( inquiry ) XX/XX/XXXX Experian Business Cred ( inquiry ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( inquiry ) XX/XX/XXXX XXXX XXXX XXXX ( inquiry ) XX/XX/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 2023-07-05
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. (GA)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( Original Creditor : ) XXXX Balance : {$590.00}
Consumer complaint received 2016-07-06
Product: Prepaid card — Other special purpose card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A. (IL)

I purchased XXXX appliance and I submitted rebate forms to get {$200.00}. I received citi XXXX debit card. The card expired and I contacted the customer service and they told me they can not do anything about it. Prepaid debit of {$200.00} disappeared! Can they do that?
Consumer complaint received 2023-07-05
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX. Also, I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXX. Please repair and update immediately.
Consumer complaint received 2023-07-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: SANTANDER HOLDINGS USA, INC. (CA)

I leased a XXXX XXXX XXXX with Chrysler Capital. The lease ended XX/XX/XXXX, and I returned the vehicle to XXXX XXXX XXXX, where the car was originally leased. The first problem is that the Chrysler Capital webpage still shows me as owing money, however because of Chryslers inability to maintain an updated webpage, I was forced to make an extra payment in the amount of {$540.00}. I have made multiple calls to Chrysler Capital to request a refund for this overpayment, which was approved after I had to send in a copy of my bank statements. They continue to call me daily on an auto dialer about this XXXX XXXX that was already returned, including sending me letters that my credit would be affected. Chrysler Capital has already been overpaid, and the car was returned on XX/XX/XXXX as the contract required. When customer service calls me they have a different answer every time I speak with them about where my refund is. Further, they want me to resolve a returned vehicle issue when the vehicle was already returned 30 days ago.
Consumer complaint received 2023-07-05
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. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

LVNV funding LLC brought my information from XXXX XXXX XXXX. I spoke to lvnv and ask them how did they get a hold of my information the representative told me it was through XXXX  XXXX XXXX  I told him I did not sign any paperwork for them to have my information or give them any verbal yes for them to have a hold of my information however I did not do business with LVNV they are a third party when I asked a representative how did they get this information I was told they brought it from XXXX XXXX XXXX  however I did not get any paperwork from XXXX XXXX XXXX  or in phone call asking me is it okay to give my information to a third party there was no opt-out paperwork and according to the law before you can give someone information out to a third party there needs to be paperwork with the individual consent giving them the okay to give their information to a third party or verbal agreement there was no such agreement which according to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. This requirement was not met and also according to and it's also against the law for someone to buy a debt the original debt collector so as a result of this I need LVNV funding LLC to give the debt back to the original creditor because by law they are committing fraud and identity theft by putting this information on my report and I do not have a contract with this company nor do I know this company so as a result of this I am asking them to remove this before I take further actions
Consumer complaint received 2023-07-05
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. (GA)

I submitted a letter to the 3 Credit Bureaus last XXXX XXXX, 2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX Balance : {$730.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$730.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-07-05
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. (TX)

On XX/XX/2023, per the FCRA, I notified XXXX XXXX XXXX that I elected to opt-out of any and all authorizations I may have provided them to provide my personal non-public information to any non-affiliated third party based on 15 USC 6802 .
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

In XX/XX/2022 I was charged for a hotel room that I did not book. The hotel charged me for two rooms, I stayed in one room and paid for that room. The hotel agreed on several contracts to reverse the second room but never did. I contacted B of A and they have refused to help with this problem even though they advertise they protect their customers from unauthorized charges. The balance on my account consists of the unauthorized charge plus the bank charges they have added. I have XXXX + years of excellent credit and now because of there negative actions I do not. This is false advertising on their part.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please consider this a formal Request for Early Exclusion of the Accounts below from my Credit Report. Please investigate and correct inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to 15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items and that the inaccurate items be deleted from my record. 

Item Number Company Name Account Number Comments 1. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 

2. DEPT OF EDUCATION/XXXX : XXXX Paid, Closed. 

3. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 

4. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 

5. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 

6. DEPT OF EDUCATION/XXXX : XXXX Paid, Closed. 

7. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 

8. DEPT OF EDUCATION/XXXX : XXXX Paid, Closed. 

9. DEPT OF EDUCATION/XXXX : XXXX Paid, Closed. 

10. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 

11. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 

12. DEPT OF EDUCATION/XXXX : XXXX Paid, Closed. 

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes a reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely,
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC (TX)

I have 3 inquiries on my credit report that I did not authorize. I would like them removed immediately. 

XXXX XXXX XXXX XXXX CompanyXACTUS, LLC XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-05
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. (DE)

This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX