davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

RE : Social Security Number : XXXX To Whom It XXXX Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  please delete these outdated addresses and update the address with this one XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer, and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-01
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. (MI)

In accordance to the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 use 1681 Account names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RITE TO PRIVACY.

15 U.S.C.1681 SECTION 604 A SECTION 2. IT ALSO STATES THE CONSUMER REPORTINGB AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681C. SECTION STATES : NO CONSUMER REPORING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAIN ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ATTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED 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 2024-10-18
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. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-19
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. (NJ)

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 Account Name : XXXX  Account 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 2021-07-06
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)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2022-08-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (GA)

On XX/XX/2022 and again on XX/XX/2022 I sent a validation letter to LVNV to validate a false collection and on 2 occasions they sent back a false and misleading form which is violation of my consumer rights. 15 U.S. Code 1692j
Consumer complaint received 2024-10-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-10-17
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: CORELOGIC INC (NV)

Remove all inquiries on my credit report not attached to any accounts. 
Also requesting from the companies according to FCRA to pay {$1000.00} per inquiries on my report. 

XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX CREDCO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2021-02-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc. (PA)

My lease completed in XXXX. LEASE WAS PAID IN FULL. My wife returned the car and received a remaining lease obligation quote after inspection and it stated the amount owed was {$0.00}. I got a call 2 months later saying I owed {$430.00} ( approximately one month of my lease ) for just returning my car. Confused, I argued with the person on the phone. She was nasty, unhelpful and abusive with threats. in previous lease returns, I've never been charged for simply dropping off my car especially when I asked the person who inspected it if there were any charges and they said " NO, you're all good. '' Since we decided against getting another XXXX, we didn't lease a new car from them. That is when apparently they decided to charge me this nonsense fee. After the conversation, our world took a turn for the worst. We own a XXXX  and our industry was shut down by our governor for COVID restrictions. I completely forgot about this and never received another bill or notice from them EVER for this ridiculous fee. I went to try to buy a house recently and it showed 1 miss payment on my credit score which dropped it 170 points and is currently hurting my chances of buying a home. It is CRIMINAL that these big companies 1 ) can charge nonsense fees at the end of the lease and 2 ) can disrupt someones life for {$430.00} when I just got done 3 years of lease payments with them without missing a payment. The credit report showed it as " missed payment '' which is nonsense. I called the company and paid it immediately and asked why I didn't receive notice that they would hurt my credit. They had no answer but only to say " You asked us not to call you any more so we didn't. '' THAT IS CRIMINAL. I explained the situation and paid immediately and asked them to contact the credit agency and fix the issue. They refused and simply said it would just show up as paid in 45 days. That is absolutely ridiculous in normal times, but in this Pandemic that has destroyed my business and a good part of my life, it is EGREGIOUS and CRIMINAL They refused to work with me or even discuss the charge when they first called me about it. They were ignorant and nasty. If everyone else has to bend during these times, why can't a financial institution like GM Financial who cealrly hasn't been hurt like XXXX XXXXt XXXX. Its CRIMINAL.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : I had become a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX unseen hands had stolen my personal information, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. With each fraudulent transaction and unauthorized account, XXXX XXXX XXXX XXXX XXXX XXXX leaving me grappling with the unsettling reality of a violated identity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2021-02-18
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. (IL)

XXXX  XXXX should not be reporting to XXXX  ; XXXX  and Transunion that I am ( 30-60 ) days late on the XXXX  XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I made arrangements for deferment under the CARES ACT with XXXX  and they assured me that no lates would report to the bureaus on this account. XXXX did no honor our agreement. I was not aware that these lates were reporting until I obtained a copy of my credit report. This false reporting of lates is seriously harming my credit score. This is a violation of the CARES ACT in addition to being a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I request that these lates be removed. I have contacted the bureaus as well as XXXX to correct this however, I have not been successful.
Consumer complaint received 2024-10-18
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. (CO)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CO, XXXX, XXXX XXXX H, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CO, XXXX, XXXX XXXX XXXX, XXXX XXXX CO, XXXX
Consumer complaint received 2021-02-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have been disputing incorrect late payments as well as unverified charge-offs with the bureaus since XX/XX/XXXX. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/XXXX to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either. And now, here it is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (VA)

I am writing to formally dispute the inaccurate reporting of my charged-off account to the consumer reporting agencies. The account in question was charged off/written off on XX/XX/2018 ; however, you continue to report it as an active debt that is still owed. This reporting is not only inconsistent but also materially inaccurate for several reasons. 

If a charge-off exceeds {$600.00}, as is the case here, it is treated as taxable income, and a 1099-C should be issued. By continuing to report the account as an outstanding debt, you are creating a contradictory situationone that treats the same amount both as income ( for tax purposes ) and as a debt ( for credit reporting purposes ). This inconsistency must be corrected immediately. 

As a direct result of this inaccurate reporting, my credit score has been negatively impacted with the account status being derogatory. The incorrect information has also led to credit denials from other creditors, limiting my access to financial opportunities and adversely affecting my life. I expect you to take prompt corrective action to resolve this matter. 

Please confirm your receipt of this complaint and let me know when these corrective actions will be completed. I expect your timely response to avoid further damage to my credit standing. 

Thank you for your attention to this important matter. I look forward to your prompt resolution.
Consumer complaint received 2024-10-17
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: CREDIT ACCEPTANCE CORPORATION (GA)

I reached out to credit Acceptance Corp regarding a account they placed on my credit report years ago. I have consistently requested they remove the information on my report as they have never issued me a loan. I have requested validation from Credit Acceptance Corp. I have sent certified letter with return receipt, and they don't reply. Instead the violated another law and report me late on a account that is not mine, gas never had one single recorded payment in 6 years. The account doesn't have a single late fee showing its not a real account. I was preparing my lawsuit when I came across stories of other consumers such as myself who had similar experiences with Credit Acceptance Corp not only are they habitual offenders of federal laws and discrimination but the CFPB also had to file a lawsuit against Credit Acceptance CorpXXXX On XX/XX/year>, the Consumer Financial Protection Bureau and the New York State Attorney Generals Office announced the filing of a complaint against Credit Acceptance . The lawsuit alleged that Credit Acceptance, a subprime auto lender, hid the true costs of its borrowings, used aggressive debt-collection tactics, and violated New York usury laws on interest-rate limits and other investor-protection laws. I'm requesting the CFPB have Credit Acceptance Corp remove this slanderous account from all credit reporting agencies, as it has cost me great financial loss and emotional distress. 
I'm also asking the CFPB for financial help from the victims fund. Please find my attached written requested sent to Credit Acceptance Corp certified mail return receipt, as well as my request from XXXX, XXXX, and XXXX also sent certified letter return receipt requested the information be validated or deleted '. All three agencies.
Consumer complaint received 2024-08-30
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. (SC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-18
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. (TX)

I am writing to formally dispute several accounts that have appeared on my credit report, which I believe to be fraudulent. Below are the details of the accounts in question : XXXX XXXX Account Number XXXX XXXX Status XXXX Late payments reported to XXXX XXXX XXXX XXXX Account Number XXXX XXXX Status XXXX XXXX XXXX reported to XXXX Account Number XXXX XXXX Status XXXX XXXX reported to XXXX XXXX Experian.

XXXX XXXX Account Number XXXX XXXX Status XXXX XXXX reported to XXXX XXXX Experian.

XXXX XXXX Account Number XXXX XXXX Status XXXX XXXX reported to XXXX and

Experian. XXXX XXXX XXXXAccount Number XXXX XXXX Status XXXX XXXX reported to XXXX only.

I believe these accounts are fraudulent, as I have not authorized any transactions or agreements related to them. I request an investigation into these accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Consumer complaint received 2021-02-19
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. (FL)

I inform you that I am identity theft victim because these accounts in my report are not mine. I tried to show my report to my friend and to figure out what is that and he told me that its common practice that bureaus putting somebody else accounts or simply that someone just used my personal information and managed all of this or its error in reporting. So please could you figure out why I have these items in my credit report as I do not know them and I do no recognize them and I have nothing in common with those items. Its very sad that I also faced this problem however I hope that you very soon reinvestigate and delete them from my credit report. I hope for understanding ) Thank you!
Consumer complaint received 2021-02-17
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

BEEN FAXING SINCE XXXX SEE PROOF! XXXX XXXX IS LOSS MITIGATION SPECIALIST XXXX DIRECT NUMBER WAS ON THE SO CALLED FOREBEARANCE DIDNT TELL ME THAT I HAD TO PAY BACK! FAXED IN MODIFICATION THEN SAID PAYMENT NOT DROPPING BUT DONT CARE IF THE SAME RATE AND PAYMENT CANT AFFORD 12 MONTHS PAST DUE! THEN XXXX XXXX SAID MAKE 1 PAYMENT WILL PUT REST AT BACK END OF LOAN! NO ONE KNOW WHAT IM TALKING ABOUT SHE NEVER PICKS UP THE PHONE! COMPANY IS THE WORST.!
Consumer complaint received 2024-10-18
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. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

It's been months that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had detrimental effects on both my financial prospects and my emotional well-being but my requests and complaints kept getting ignored or disregarded which furthers the negative impact on both my life and my credit.