davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc. (FL)

I disputed these XXXX accounts with Lockhart Morris and Montgomery by requesting a validation of the debts.The accounts XXXX, XXXX, : The original creditor is XXXX XXXX XXXX XXXX XXXX XXXX I requested the collection agency for a original assignment of contract and nothing was provided as proof of ownership for the debt.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account NumberXXXX Account Name XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX  Account NumberXXXX 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 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (CA)

In accordance with the Fair Credit Reporting Act, Kickoff/CCB has violated my rights.

Under 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 a Section 2 also states a consumer reporting agency can not furnish an account with my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-10-04
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (GA)

I called based on the information provided on my credit reported and advised that they have the wrong person as I don't owe those funds. They refused to remove or provide information to help solve the problem. They now state they since it is not mine, they can't provide any information but yet and still they leave it on my credit report. I have never received anything from them about it at my long-time residential address.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

I am reaching out for your help with this wrong account that is affecting my credit report. This issue has tarnished my reputation, and I need your immediate assistance. Your improper actions have damaged my reputation, and you must remove this incorrect information.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma (TX)

When I log into my Credit Karma account the error message states that it couldn't check my report right now, check data. The last upadate on my accounts, XXXX and XXXX is XX/XX/year>.
Consumer complaint received 2024-08-05
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 XXXX XXXX XXXX. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-17
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. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-17
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. (SC)

Im asking for your help with the incorrect account listed on my credit report. This has affected my reputation, and I require your assistance. Due to your mishandling of the situation, my credit report has caused significant damage to my standing. You must eliminate the incorrect information from my report.
Consumer complaint received 2024-09-17
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)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


XXXX XXXX
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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.

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 2024-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I want to XXXX  that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-17
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. (IL)

I have overlooked my credit report and it has several accounts that were opened without my knowledge or consent. I am a victim of identity theft and my consumer rights are being violated by the credit reporting agencies. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I presume that no proof exists Pursuant to 18 USC 8, I owe no debt, These companies are are violating my Right to Privacy Pursuant to15 USC 1681-B2 Company has no permission to report my information Per 15 USC 16814 . 18 USC 894, FCRA Section 611 ( 5 ) ( A ), FCRA 1681i. 
Finding this inaccurate information has caused me stress and difficulty acquiring my life necessities to maintain a comfortable lifestyle for my family.
Consumer complaint received 2024-08-12
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. (NC)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

Experian, I have had trouble with them for many years now. They have positive information listed as negative stating that all my accounts are late and or never paid. All my accounts are up to date, closed due to paying them off and I have not been late making payments for years. I have attempted to phone them and to contact them online to no avail. Now my social security number has been found on the XXXX web and Experian is the only reporting agency that is showing a XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX Co XXXX a place where I have never lived nor do I know of anyone in that area, this is clearly fraud and I'm beginning to believe that it's directly related to the reporting of Experian. These incidents all accrued in XX/XX/year> there are XXXX incidents on my Experian report only.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (NY)

I am writing regarding Ally Financials mishandling of a repossession of my XXXX XXXX  XXXX, and associated violations under New York State law, the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and other applicable federal statutes. Ally Financial has failed to adhere to legally required procedures in conducting the repossession, auction sale, and subsequent reporting to credit bureaus, and I have suffered significant damages as a result. 

Background On or about XX/XX/XXXX, I financed the purchase of a XXXX XXXX XXXX through Ally Financial. Subsequently, on or about XX/XX/XXXX, the vehicle was repossessed by Ally Financial. However, Ally Financial has engaged in a series of actions and omissions that have violated both state and federal requirements. 

Violations and Basis of Complaint Failure to Provide Timely Notice of Repossession and Sale Under New York State law and the Uniform Commercial Code ( U.C.C. ), creditors are required to provide notice to the debtor within a reasonable timeframe after repossession. I did not receive a prompt or proper notice from Ally Financial concerning the repossession, nor did I receive timely notification of the sale date and location of the auction where the repossessed vehicle was sold. 

Failure to Provide Post-Sale Notice Ally Financial failed to issue a post-sale notice indicating the final amount owed, as required under New York State law and the U.C.C. This omission denied me the opportunity to address any remaining balance, preventing the ability to resolve or mitigate potential deficiencies or other financial consequences. And lead to inaccurate information being reported to the credit bureaus.

Inaccurate Credit Reporting and Failure to Correct Following the repossession and sale of the vehicle, Ally Financial reported incorrect debt amounts to credit bureaus. My client has attempted to correct these inaccuracies on at least six separate occasions,
with documented correspondence sent to Ally Financial, yet Ally Financial has failed to amend the erroneous information with accurate information. These actions constitute violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which mandates accurate credit reporting and requires creditors to correct inaccuracies promptly when brought to their attention. 

Thank you for your attention to this matter. Please contact me at your earliest convenience if you require further information. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

Mr. Cooper has provided the below 'contact ' information as the owner of my mortgage. 

XXXX XXXX XXXX XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Series XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX However, I am unable to contact or speak to anyone from this organization. Why am I unable to contact the investor / owner of my Note directly? 

I have repeatedly asked Mr. Cooper who I can talk to with no response. 

I call the organzation at the address and they can not put me in touch with anyone either. 

WHAT IS A VALID PHONE NUMBER, EMAIL OR CONTACT NAME FOR THIS " INVESTOR ''?
Consumer complaint received 2024-08-12
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. (RI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items 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 items 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 Balance : {$1900.00} XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : {$0.00} 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi I am XXXX XXXX XXXX, Natural Person in full life propria persona status, I had an account with XXXX  XXXX, i paid off any and all balances from my checking out, however XXXX XXXX never could proccess my payments, so i then would get issued A LATE PAYMENT, i adding additional chatges to my credit account, and utilization, thus fraudently creating a story of late payments, I then used A debit card instead, and personally told them due to their infractions i want to close this account, im still receiving hard inquiries and non factual comments on my credit reort, thus lowering my score VIA TRANSUNION, i then called transunion to dispute these inquiries and i opted out and wanted to freeze any all interactions with 3rd parties inquiring or reporting to transunion, and i was unable to " freeze '' the report because they were not able to identify me, i provided my last 4 of my ssn street addresss birthday full name, and sthey stll could not 'freeze '' my report, im askinf this Burea in according with 15 USC 181 1681,2,3 to delete remove all information that does reflect XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX i ahve no auto loans mortges or have loved at any address period ive been here 15 years yet unlawful incorrect info is being reported along with XXXX  XXXX and Transunion not being able to delete hard inquirie sand permanartly freeze my report
Consumer complaint received 2024-08-12
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. (OK)

I received a notification from XXXX XXXX between XXXX XXXX and XX/XX/year> an inquiry made by XXXX was added to your credit report ; however, I have not applied for a new line of credit or given consent for my credit to be ran.