davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (GA)

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

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.

These accounts have violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 
I am requesting for the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of the notice. I LOOK FORWARD TO YOUR RESPONSE.
Consumer complaint received 2024-09-11
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. (PA)

I am writing to express my continued frustration and disappointment regarding the unresolved disputes on my credit report. Despite my previous attempts to have numerous inaccurate and invalid items removed, it has become evident that XXXX is failing to act responsibly in comparison to Equifax, which has already addressed and resolved most of these inaccuracies.
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

XX/XX/XXXX somebody make purchase on XXXX by using my credit card I send dispute to Citibank After XXXX weeks I receive from Citibank letter where does it say that I made the purchase. 
I send you a screen shots from my XXXX account :
Consumer complaint received 2024-09-26
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. (KY)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-10-08
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: Velocity Portfolio Group (CA)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX Laws Dear CKS PRIME INVESTMENTS, I am writing to address the unauthorized reporting of information to my credit report, which is a violation of both federal and California state laws. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and XXXX  identity theft and consumer protection laws, this reporting has been done without my explicit consent. 

It has come to my attention that CKS PRIME INVESTMENTS has engaged in unauthorized reporting to my credit report, violating both federal law and the XXXX Identity Theft Statute under Section 530.5 of the XXXX Penal Code, which criminalizes the unauthorized use of personal identifying information. The FCRA mandates that a consumers consent is required for such reporting activities, as stated under Section 1681b ( a ) ( 2 ).

Furthermore, XXXX Civil Code Section 1785.25, part of the XXXX Consumer Credit Reporting Agencies Act ( CCCRAA ), emphasizes that no consumer credit information should be furnished without proper authorization, and such reporting without consent is a direct violation of my rights under both federal and state law. 

I assert that I have not provided any consent to XXXXKS PRIME INVESTMENTS to report any information to my credit report. This lack of authorization constitutes a blatant violation of my rights, causing potential harm to my credit standing, and represents a disregard for the legal protections set forth by federal law and California law. 

I demand that CKS PRIME INVESTMENTS immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required under Section 1681b ( a ) ( 2 ) of the FCRA and Section 530.5 of the XXXX Penal Code. Failure to comply within the next 30 days will be treated as intentional noncompliance, subjecting CKS PRIME INVESTMENTS to penalties under applicable federal and state laws, including those governing identity theft and consumer fraud in California. 

This is not a negotiable request ; it is a demand for compliance with both federal and state regulations that protect consumers from unauthorized and harmful credit reporting. I expect prompt rectification of this matter, ensuring that my rights under these laws are fully respected. 

Done in good faith.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Hayt Hayt & Landau, P.L. (FL) (MI)

XXXX XXXX  continues to report incorrect information on my credit report which is damaging my credit now. I have called several times and have beent told that it was sent to a third party. Which I have asked them how are they reporting this information and I was told it isn't in their system anymore and I asked the name of the company. I then contacted the other company which was an attorney and I was then told that they had served me at my moms address which I don't stay and Haven't stayed ever. I was told that they gave it to a young lady which was my sister and said that she was XXXX. MY sister literally is XXXX and had to be XXXX or XXXX at that time.
Consumer complaint received 2024-10-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY (AL)

Wells Fargo had a major security breech during the time my mortgage was carried by their company. I went through the process of my home almost being foreclosed on, leaving me to come up with an extraordinary amount of money. They never offered any kind of loan assistance program such as mortgage modification, etc. Wells Fargo put me and my family in an extremely difficult situation with no resources being offered even after requests which forced me into eventually having to file bankruptcy which is till effecting my credit and my finances. I had no idea that all of my personal information had been shared and was never offered any protection from identity fraud and have been the victim of fraud related to what I believe is the Wells Fargo breech of information
Consumer complaint received 2024-08-26
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. (GA)

I reviewed my credit report I was surprised to know I am a victim of identity theft and Social Security data breach and I found numerous accounts on my credit report that was not open by me also 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 XXXXXXXX XXXX XXXX XXXX and according to 15 U.S.C 1681 section 602 A. States I have the right to privacy and 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 and also according to 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. And 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 2024-08-26
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. (TX)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX Balance Owed : {$780.00} XXXXXXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-26
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)

I received a copy of my credit report. To my XXXX, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$5300.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 
XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX
Consumer complaint received 2024-09-25
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. (NY)

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX Balance : {$2300.00} XXXX  XXXX XXXX Balance : {$4000.00} XXXX BANK XXXX Balance : {$2700.00} XXXX BANK XXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$0.00} PERSONIFY XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX VERSE XXXX Balance : {$780.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$1900.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX N.A. XXXX Balance : {$530.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXuired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX XXXX BANK Inquired on XX/XX/XXXXXXXX XXXX  Inquired XXXX XX/XX/XXXX These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Consumer complaint received 2024-08-26
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: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 

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 2024-08-26
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. (WA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-26
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. (MD)

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have received numerous calls from Portfolio Recovery Services. Additionally, I received a letter regarding an alleged debt owed to XXXX XXXX XXXX. The letter included information on the back providing an email to dispute the debt or request a validation. I submitted an email on XX/XX/XXXX, requesting validation of the debt and to refrain from emailing and/or calling me regarding this matter until validation is has been provided. Since that time, I have received several more phone calls from the company. The dates and times are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To TransUnion, XXXX, and XXXX, It has come to my attention that inaccurate information remains on my credit report, despite previous disputes where you continued to verify the data as accurate. I have attached evidence proving that this information is, in fact, incorrect. By continuing to report these inaccuracies, you are in violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires a reasonable investigation, and Section 623, which addresses the duty to ensure accurate reporting.

This failure to correct the information also violates my rights under 15 U.S.C. 1681i ( a ), which mandates the correction of erroneous data after it is proven inaccurate. I demand that you remove this incorrect information from my credit report immediately, as it is unfairly damaging my credit profile. 

I expect prompt action in accordance with the law. Attached is the proof of the inaccuracies for your review.
Consumer complaint received 2024-08-26
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. (AZ)

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 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

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 XXXX MA XXXX XXXX
Consumer complaint received 2024-08-26
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 the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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 2024-10-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP (NH)

On XX/XX/XXXX the debt collection agency ( " Law Firm '' ), " Kimball , Tirey & St. John LLP '' of XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX California XXXX provided a letter to us with intent to validate a supposed debt owed of {$480.00} after we had asked. The creditor to whom the debt was owed was XXXX XXXX - XXXX which is managed by XXXX XXXX. 

The debt being described is a resident disposition which includes an itemized list of ( see attached documents ) cleaning and repair. We had provided a forwarding address to our new residence, which we had remained in for the entire duration of a 1 year lease ( See attached move out document from XXXX XXXX  ). We had never received this correspondence from XXXX Apartments or XXXX XXXX which is outside the 21 days ( California Code, CIV 1950.5 ) until we were contacted by " Kimball , Tirey & St. John LLP '', which is around 2 years after we had provided the intent to vacate. " Kimball , Tirey & St. John LLP '' had stated that XXXX XXXX did not have a forwarding address for us which is incorrect ( See attached move out document ). Additionally, the itemized list is dated XX/XX/XXXX which is also outside of the 21 calendar day policy ( 22 days ) ( California Code, CIV 1950.5 ). 

According to the above this would make the itemized list with the amount of {$480.00} without enough information to validate the debt, and a violation of California Civil Code which makes the debt invalid. Without providing enough proof or validation that despite the above facts, we owe the debt, " Kimball , Tirey & St. John LLP '' still reported this debt to my credit.
Consumer complaint received 2024-08-26
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. (GA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.