davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-04
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. (TX)

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 Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-08-04
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-08-04
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)

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 Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account XXXX : XXXXXXXX XXXX XXXX  Account number : XXXX Account XXXX : XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX Account number : 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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-07-19
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Absolute Resolutions Corp. (CT)

I am writing to inform you that I am aware of your non-compliance with the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 15 USC 1692c ( c ). It has come to my attention that your agency has engaged in abusive and deceptive practices in an attempt to collect an alleged debt. 

I hereby demand that you immediately cease and desist all activities related to the collection of this alleged debt. Your abusive and deceptive practices are in direct violation of my rights under the FDCPA. I am well aware of the protections provided to me as a consumer, and I will not tolerate any further harassment or misconduct. 

Furthermore, I exercise my right under 15 USC 1692c ( c ) to request the removal of any and all information pertaining to this alleged debt from my consumer report. You are explicitly prohibited from disclosing or communicating any information about this debt to any credit reporting agency without my express written consent. I hereby withdraw any previous consent you may have had and demand that you cease reporting this debt to Please consider this letter as a formal notice of my intent to take legal action if your agency continues to engage in abusive or deceptive practices. In pursuant to 15 usc 1692k I will demand XXXX per each violation, I am prepared to protect my rights as a consumer and will not hesitate to pursue all available remedies under the FDCPA. All future communication regarding this alleged debt should be directed to me in writing at the address provided above. Phone calls or any other form of communication will not be accepted. I expect your immediate compliance with this cease and desist notice. Failure to do so will leave me with no choice but to take appropriate legal action to protect my rights.
Consumer complaint received 2023-08-04
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. (LA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, LA XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$610.00}, XXXX XXXX XXXX XXXXXXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$170.00}, XXXX XXXX Balance : {$490.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$310.00}, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$490.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$780.00}, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1100.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3400.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

In accordance with The Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX public record chid support docket # XXXX list of accout review inquiries. 3 hard inquiris on dates XX/XX/2021, XX/XX/2021, XX/XX/2021. XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) sections states : no consumer reporting agency may make any consumer report containing any of the following item of information, other than records of convictions of crimea which antedates the report more than 7 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 2023-08-04
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 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 a account without my written instructions Accounts XXXX  Account XXXXAccount number XXXXXXXX XXXX XXXX XXXX-Account number XXXX
Consumer complaint received 2023-08-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (TX)

I have a simple interest loan through Bank of the West, a BMO Company. The financier at the RV dealership said it was simple interest loan. I confirmed with Bank of the West that it is a simple interest loan, but every time I pay extra on the payment, the interest increases somehow ( even though it should decrease because I have paid down the principal ). I call them twice because I couldn't understand why if I paid more on the account, they raise the amount of interest. This sounds like precomputed interest, not simple. I have called twice to try and understand this and was instructed to send in any principal payments by mail, via check to their principal only desk and mark them principal only. This seems to work, however, when I do this and make the regular payment via my bank online, they apply everything I pay to interest and none to principal. It almost seems like I am being punished for trying to pay the loan off. At this point, I don't know what to do. I am looking to get a loan or refinance through another, reputable company, but I am afraid if I send Bank of the West a large amount of money with intention to pay off, they will apply it to some future precomputed interest. Please help. I can provide statements to reflect what I am experiencing. What is happening seems to be illegal/unethical.
Consumer complaint received 2023-08-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Before I knew anything about a doctor bill, I received an advertisement in the mail at my new address from a firm letting me know I was being sued and theyd like to represent me. I was later served after replying to portfolio recovery asking for validation of the alleged debt which I never received! When I first showed up for court in XXXX I had a verbal agreement with another of portfolio recoverys attorneys to get a statement from defacs proving coverage and the case would be dismissed. However it was continued and when I went into court most recently on XX/XX/2023 with my proof. It was a different attorney for portfolio recovery and my proof was not taken. This deprived me of my right to a fair and just trial because I was told something else therefore I didnt have time to prepare to defend myself. I showed my proof and even proof where apparently portfolio recovery doesnt own it anymore! Its now owned by XXXX XXXX XXXX and has been since I received the first statement through my email in XXXXXXXX XXXX XXXXXXXX  which is before portfolio sued me for a debt they no longer own! Didnt have to show proof or anything per the FDCPA and ruled against me and got a judgement anyway! Along with writing the wrong case number and amending my judgement which is labeled default judgment even though it was not in fact a default judgement because I did file an answer and I did show up. Now theres a judgment against me because somehow portfolio recovery can sue consumers without having any proof whatsoever and without even owning the debt themselves! If you need any information from me to properly investigate these claims, please email or call me!
Consumer complaint received 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

This is breach of contract I informed the CFO that I, XXXX XXXX, agent on behalf of XXXX XXXX, principal hereby accept all titles, rights, interest and equity owed to XXXX XXXX, principal. 
I advised the CFO of the company to apply the to apply the principals balance to the principals account for each and every billing cycle for set off. I also instructed the CFO, to communicate in writing once instructions are completed. This is instructed to happen within 5 business days. 
I sent my Claim of Credits letter on XX/XX/23 I sent my Opportunity to Cure letter on XX/XX/23 I sent my Default Notice letter on XX/XX/23 With these documents I provided a durable power of attorney as well as references to federal reserve act sections 16 and 29 in addition to copies of multiple endorsed bills relating to the accounts.
Consumer complaint received 2023-08-04
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: Experian Information Solutions Inc. (FL)

I have recently discovered unauthorized activity on my credit report. I am not understanding why, because I have not given any consumer reporting agency written consent to report any information on my consumer report. This unauthorized reporting, done without my explicit consent, equates to identity theft.
Consumer complaint received 2023-08-04
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. (SC)

This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular accounts position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and correct these accounts which are incorrect from my personal credit file : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$3000.00}.
Consumer complaint received 2023-07-19
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. (MD)

I have repeatedly disputed a debt that XXXX has sold to multiple collection agencies. The information is incorrect and the companies that keep selling to one company and another without having any verifiable information keep reporting the information as accurate. The credit reporting agencies keep reporting this information without requesting verification. I keep having to dispute this information and have it removed and a few months later the information is sold to a new collections agency only to have it re-reported. The new collections agency is XXXX XXXX XXXX which I have NO Business contracts with.
Consumer complaint received 2023-07-19
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: ALLY FINANCIAL INC. (NC)

I was checking upon my credit score and I seen that this company pulled my report without my permission. I am not for sure how they have gotten a hold of my information and I dont approve.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$31000.00}
Consumer complaint received 2023-08-04
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX 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 2023-08-04
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. (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-08-04
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: EQUIFAX, INC. (SC)

I am submitting this CFPB Complaint to dispute the inquiries referenced below and demanding verifiable proof bearing my signature/electronic signature. The Credit Bureaus never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. These actions were initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. The FCRA requires the Credit Bureaus to follow up and investigate the inquiries in question or delete them. The Credit Bureaus never authorized such actions, which constitutes a violation of my rights under the Fair Credit Reporting Act sec 604, as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrences or remove them immediately for non-compliance. Under the laws of the FCRA, Equifax and XXXX are required to follow up with the creditor. The listed inquiries were not authorized for any permissible business purpose. 
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