davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-22
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are all part of a double billing scheme sent out after Ive reported fraud several times regarding the accounts due to the XXXX breach in 2017. My information was released and as you can tell from their list Im a qualified victim, and Ive been battling it ever cents. There are numerous unauthorized transactions, forwardly reported and were brushed off by each entity, including XXXX XXXX, it has been a struggle to clear up what has been a long, lasting conundrum of arguments and what if when the law protects me and should have it released within XXXX. The time
Consumer complaint received 2023-09-07
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. (MS)

I XXXX XXXX pulled my consumer report on XX/XX/2023 and noticed Inaccurate accounts reported. You are reporting inaccurate and invalidated information on my consumer reports Pursuant to FDCPA your company is to validate/ verify prior to placing the negative alleged late payment and inaccurate accounts on my consumer report. Furthermore, your company has violated federal law 15 usc 1681 ( b ) - permissible purpose for reporting this alleged negative late payment without my consent. Failure to furnish evidence that supports your claim I demand removal. Failure to remove XXXX will sanction legal action for remedy. 

Pursuant to 16 CFR 444.4 Unfair act of practice 15 USC 1681 ( b ) - I never gave them consent to report anything negative on your behalf Inaccurate Accounts Inaccurate personal information 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 these particular laws. 1.15 U.S. Code 1681i states I have the right to my privacy it also states a consumer reporting agency can not furnish a account without my written instructions 2. 15 U.S. Code 1681s 3. 15 U.S. Code 1681b 4. 15 U.S. code 1681 a a person shall not furnish any information relating to any consumer reporting agency if the person know or has any reason to believe the information is thus inaccurate 5. 15 USC 1692 FDCPA In major accordance with the Fair Credit Reporting Act. The accounts that I have listed below has disgracefully violated the Credit repair consumer rights that are legally mine via the United States Government. These accounts have violated my constitutional right ( 15 USC 1681 ) due to its invasion of my privacy and confidentiality. 

I have for a numerous amount of my time disputed these accounts via XXXX, Experian, and XXXX : I request documentation as well from these companies stating the information that is being reported to the credit bureaus because I am not aware of these accounts nor have I received documentation. 

Charged Accounts Reported Inaccurately 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 HARD Inquires I do not recognize and didnt apply for 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 MY ONLY NAME IS XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX ARE ALL INCORRECT AND SHOULD BE REMOVED I NEVER LIVED AT XXXX XXXX XXXX XXXX XXXX XXXX I ask that these incorrect addresses are removed as well
Consumer complaint received 2023-09-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I was very ill when I was XXXX, I had to have XXXX that put me out of work for almost a year. I could not pay for the credit card but tried to discuss that with the bank, I was told there was nothing they could do and they had already placed it in collection. I was told that I could settle for a lower amount than I initially owed and that upon paying my debt would be erased from my credit history ( the main reason I paid it off ). I noticed recently that nothing was ever removed from my credit report like the representative told me it would be. I spent months checking thinking maybe it takes a while but over 1 year later still nothing. I was lied to, they just wanted to take my money, and they overcharged me for my debt.
Consumer complaint received 2023-09-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My vehicle was damaged in a hail storm. XXXX XXXX sent me a check payable to myself and Capital One for {$3100.00} which was more than the payoff. I endorsed the check and sent it to Capital One to payoff the loan. They applied the payoff payment for {$1700.00} on XX/XX/XXXX ; reversed it on XX/XX/XXXX ; reapplied a payment for {$2200.00} on XX/XX/XXXX leaving a credit balance ( overpayment ) of {$450.00}. They reversed the {$450.00} and sent me a check. The website also stated that a check in the amount of {$910.00} ( {$3100.00} - {$2200.00} ) was being processed to be sent to me along with my title release. On XX/XX/XXXX the {$2200.00} was reversed and they showed me past due. I spoke to Capital One on XX/XX/XXXX and they said the check had been returned unpaid by XXXX. I called XXXX and they stated the check had not been returned. I called back Capital One and after about an hour and speaking to 3 people - I was assured the return check would be mailed to me within 3-5 business days. In the meantime I made an additional payment for the last dues amount and the upcoming XXXX payment ( {$920.00} including a late fee ). Within that time period of XXXX days I have received the {$910.00} check which was previously mentioned and a letter stating my title was released.
Consumer complaint received 2023-09-07
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)

To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft possibly through a data breech and did not make the charges listed. I ask that the items be deleted to correct my credit report at the earliest convenience. 
I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-09-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

ENHANCED RECOVERY COMPANY is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1900.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2023-09-07
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. (TX)

This debt collector is attempting to collect an alleged debt that is listed under the original creditor on my profile. If this alleged debt has been sold, then XXXX XXXXXXXX XXXX would need to remove their reporting like of credit as duplication of account reporting is inaccurate and a violation of the FCRA. 

I have attached the correspondence from XXXX XXXX, and the reporting of XXXX XXXXXXXX on XXXX, XXXX, & Equifax.
Consumer complaint received 2023-08-14
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. (CA)

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 XXXXXXXX 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 2023-09-07
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NJ)

I explained that I couldnt pay my rent to the original debtor during Covid and they did not care and I also advised them that I applied for rental assistance at the time when XXXX was in effect and they refuse to cooperate with New Jersey laws and sent this account to collection in attempt to ruin my life and credit profile and potential to rent other properties..I was wait listed for rental assistance and they threaten to evict me after I couldnt pay and I have attached evidence
Consumer complaint received 2023-07-22
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. (AZ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently pulled my credit report and noticed that you were reporting against the FCRA standards. How can I possibly owe two balances to two different companies for one account? Please explain to me how I owe this same alleged debt to two companies? It seems to me as if you are unclear yourself otherwise you wouldnt be reporting these erroneous accounts. Please delete these accounts from my credit report immediately. I would like to resolve this before I consult with an attorney to pursue legal action. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX which the Original Creditor isXXXX XXXX XXXX XXXX  XXXX XXXX  XXXX Duplicate Reporting ) to TransUnion/XXXX  as XXXX Collection/Charge off. 

The same account with XXXX XXXX XXXX is reporting to XXXX Collection/Charge off and XXXX- Late 120 Days.
Consumer complaint received 2023-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: J J Marshall & Associates, Inc (OH)

In XXXX my identity was stolen and used for various unknown purchases on multiple accounts. I disputed the charges and all were deemed fraudulent and removed from my credit history, with one exception. 
JJ Marshall associates claim that I owe {$490.00} for unknown charges. They were notified of the fraud and they informed me that I should file a dispute with a credit agency to have it removed. I did as they requested and moved on with my life as usual. In XXXX I started going over my credit report with the anticipation that I may be applying for a loan at some point when I discovered that the charges were never removed from my Credit history and they were still in collections. I decided to once again dispute the charges and the people at XXXX recommended that I submit a complaint to the CFPB in order to help resolve the issue. Note that the original creditor was XXXX XXXX XXXX, a company that I have never had any history with.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

Notice to Agent is Notice to Principal ; Notice to Principal is Notice to Agent To Whom It May Concern, I am writing to address discrepancies on my consumer report. My details are as follows : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, XXXX, IL, XXXX I recently reviewed my consumer reports and observed that you have reported transactions which, according to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681a 2Ai, are excluded by law.

The FCRA clearly states that a " consumer report '' does not include reports containing information solely about transactions or experiences between the consumer and the reporting entity. Furthermore, the definition of a " consumer report '' does not encompass XXXX or XXXX scores, nor their respective algorithms. 

Given this, the reporting of transactions between myself and the following institutions is in violation of 15 USC 1681a XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$120.00} Status : Open. {$37.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$6900.00} Status : XXXX. {$220.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Status : Open. {$82.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1900.00} Status : Open. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} Status : Open. {$120.00} past due as of XX/XX/XXXX. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} Status : Open. {$230.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20.00} Status : Open. {$15.00} past due as of XX/XX/XXXX. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} Status : Closed. {$210.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX Balance : {$200.00} Status : Open. {$60.00} past due as of XX/XX/XXXX. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$34000.00} Status : Open. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} Status : Open. {$640.00} past due as of XX/XX/XXXX. 

these actions have adversely affected my reputation, character, and overall well-being. As such, I request the removal of the late payments associated with these accounts from my consumer report.

As per 15 USC 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Given the evidence and the provisions of the FCRA, I urge you to rectify this matter promptly by deleting the aforementioned late payments from my consumer report. 

I await your prompt response and corrective action. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

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. 

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  has violated my rights. Or a 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 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. 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.
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

GOOD AFTERNOON, BOTH  XXXX  AND EXPERIAN CONTINUE TO REPORT A LATE PAYMENT ON MY CREDIT RPORT, WHICH IS INCORRECT. I HAVE MADE NUMEROUS ATTEMPTS TO PROVE THIS IS NOT ACCURATE AND THAT THEY SHOULD UPDATE MY INFIRMATION AND NOT VILATE THE FAIR CREDIT REPORTING ACT BY REPORTING INCORRECT INFORMATION. I HAVE MADE MANY ATTEMPTS AND FEEL THIS IS MY LAST RESORT, BEFORE FILING THIS COMPLAINT AND SEEKING DAMAGES IN SMALLS CLAIMS COURT.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. ()

XXXX XXXX advised they would remove negative data from my credit report consisting of a late payment. 

Since then, I now have 2 late reportings from them on my report which is not true! I disputed this with the credit bureaus and they validated it which doesnt make sense because I wasnt late twice ever.
Consumer complaint received 2023-09-02
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. (CA)

Hello I have tried to fix the issue with XXXX and as well as all the credit Bureaus.. and No one has helped me with this issue.. 
The credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, and the last date active is inaccurate, and the date last reported is not accurate. this is grounds for removal they also violated my rights under. 

15 U>S>C section 602 A. States I have the right to privacy.

15 U.S.C 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 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. 

I have evidence of 11 different violations from Experian, XXXX, and XXXX. That I will provide in docs.
Consumer complaint received 2023-09-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY (NY)

XX/XX/XXXX my cell phone was stolen. I immediately reported this to the bank and to the police. Today XX/XX/XXXX I received a letter from TD Bank stating that they didnt find 2 transactions fraudulent and that I would have to pay it. The two transactions were 2 {$800.00} XXXX XXXX balance add XXXX. TD Bank sent me back the money immediately after it posted, but today I just got a letter saying they didnt detect fraud and will be taking the {$1600.00} back on XX/XX/XXXX. I have a police report I filed on XX/XX/XXXX about my phone and money being stolen.
Consumer complaint received 2023-09-02
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. (NY)

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.
Consumer complaint received 2023-09-07
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Weltman, Weinberg & Reis Co., L.P.A. (MI)

I believe my ex-wife use my identity to take out a loan for {$5100.00} against our old house. I was not there when this was done she mustve signed my name and I do not owe this debt. Her name is XXXX XXXX XXXX that who owes the debt