davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE Notice of Dispute C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX Dear Sir/Madam, Since nobody bothers to sign these computer-generated letters and take responsibility for these claims, I can deem these claims as fraudulent. These accounts do not belong to me. I do not have a contract with this company and it appears that my SSN has been used without my authorization/written consent! This company is trying to steal from my estate! Help! This company has stolen my identity!

15 USC 1692 ( a ) ( 4 ) WHO CREATED THE DEBT? 
The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 

AFFIDAVIT Notice, it is a fact, pursuant to the above code, the term creditor means any person who extends credit creating the debt. 
I extended the credit which makes me the original creditor in fact. 

LET ME REMIND YOU : 1. This is a trust action. By taking my SSN, the credit card companies were given consent by the beneficiary of the trust to access the trust for payment. Any additional payment is double dipping and illegal!

2. Per public law 73-10 the US Treasury is to handle all public debts due to the elimination of gold coinage and gold clauses in contracts.

3. You purchased alleged debt, which in itself, discharged the debt, but then you claim the debt and it becomes a tax write off for you.

4. You can not make any claim of equal consideration and thus have zero legitimacy to call for a tender of payment.

5. According to UCC 8-102 ( II ) Indorsement means a signature that alone or accompanied by other words is made on a security certificate in registered form or on a separate document for the purpose of assigning, transferring, or redeeming it. Which means my original wet signature is worth the value on the form I signed with said company on the day I signed it. It itself became a security and has the same monetary value as written on it as if it were Federal Reserve notes. My signature paid for the service received, as proof you bought said debt because it has value. Meaning, the form I filled out with my signature was redeemed as per UCC 8-102 definition above. 

Any further attempts to get me to contract with you will be a violation of 18 UCC 1341 Frauds and Swindles and will be reported to the authorities. 

Furthermore, pursuant to 15 U.S.C. Code 1692c and 6802 of the Gramm-Leach-Bliley Act, I did not give consent for communication and require that you cease all communication with me.
Consumer complaint received 2024-09-20
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. (CA)

I am writing to formally request a method of verification ( MOV ) regarding the items disputed in my initial complaint filed with the Consumer Financial Protection Bureau ( CFPB ), specifically those that you responded to as " verified '' in your investigation.

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I am requesting that you conduct a reinvestigation of the disputed items as you are required by law to either : 1. **Provide me with the name and contact information of the entity or individual who provided the information you used to verify these items** ; 2. **Delete any items that can not be verified through proper documentation as required under the FCRA. ** Please understand that if the sources you used to verify these items can not be clearly identified and contacted, you are legally obligated to remove the information from my credit report. If the original sources are no longer available, or if they can not provide sufficient evidence of the information reported, the disputed items must be deleted from my credit report in accordance with FCRA regulations. 

For clarity, the disputed items that require reinvestigation are the same items identified in the original CFPB complaint. I have enclosed the relevant information for your reference, including a copy of my initial CFPB complaint and the items in question. 

Please respond to this request within the time frame established by the FCRA ( 30 days from the receipt of this letter ), and provide me with either verification or confirmation of the deletion of these disputed items. Should these items remain unverifiable or inaccurately reported, I will consider further actions under my rights through the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Consumer complaint received 2024-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I was checking my credit report and noticed that there are inquiries that I don't remember I have allowed to be reported on my file - and it is so stressful to see because I do not in any way have permitted for these.
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. (IL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
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. (CA)

To whom this may concern, It my with great pleasure I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ).

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at XXXX The only way communication ammounts other with common ownership it must be clearly and XXXX disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit report.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am submitting this complaint due to an incorrect late payment entry on my credit file. I have previously communicated about this issue in writing, but the error remains unresolved. The entry incorrectly lists a payment as late, despite evidence showing otherwise. I am attaching images that verify the payment was made on time and highlight the erroneous late payment reported to the credit bureau. I request an immediate investigation into this matter and the removal of this inaccurate information from my credit report. Thank you for addressing this promptly.
Consumer complaint received 2024-09-26
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. (MS)

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of human trafficking, specifically debt bondagewhich falls under XXXX as defined by the XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX and XXXX ( b ) ( XXXX ) I have incurred debts that are a direct result of this criminal activity. 
Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX bondage. 
According to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX within XXXX business days upon receipt of sufficient documentation. Furthermore, XXXX2 C.F.R. 1022.142 mandates the immediate removal of such information.

I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. 
I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I was extremely saddened witnessing how my credit report has worsened over the month. All I ask of your company is to review my case and remove these inaccurate and erroneous accounts reflecting on my report and I am only met with the most generic response about my case.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX. XXXX XXXXXXXX - Account number : XXXX This account was recently placed on my credit report as a charge off incorrectly by Experian. This has caused a XXXX point decrease in my credit score and I have called and was told that it would be corrected and it hasn't been. I have included a copy of the incorrect reporting along with the way that it's reporting on XXXX as well as XXXX, both of which are reporting correctly. Please REMOVE CHARGE OFF and update my credit report or remove the entire account immediately as this is unfair and a major inconvenience. I'm working to build my relationship with XXXX to apply for other credit card products and this is preventing me from doing so. I have already been denied credit limit increases and this will cause me to get denied for any other XXXX cards that I apply for. I have sent messages to @ XXXX ATTN : XXXX XXXX, as well as written letters to the CEO XXXX XXXX regarding this issue. 
I am writing to request a detailed description of the investigation process that was followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681I ( 7 ) : Under Section 15 1681I ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my EQUIFAX credit report recently and found some inaccurate reporting on my credit report. I wrote EQUIFAX a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. XXXX is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist with account name : INQUIRY - XXXX - XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I have never been late on this account. please correct inaccuracies in payment history... Attached is the letter i wrote to EQUIFAX in an attempt to dispute this inaccurate information. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Consumer complaint received 2024-08-28
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. (IL)

On XX/XX/24 I sent XXXX, XXXX, and Experian a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$560.00}
Consumer complaint received 2023-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

Td bank has held my check thinking it is a fraud check I offered proof to show how and why my check is real they say they dont need it I also try to ask for half of my deposit they say they cant honor my request yet make me wait till XX/XX/XXXX but yet they have a post on internet call keep a eye on your deposit in which it show you will be given half on second business day and they system didnt count the day of deposit as a business day which it want against it own on agreement I have medication to purchase and need my funds I have other life expenses to pay
Consumer complaint received 2022-07-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/XXXX, {$100.00} was taken from me from a XXXX Bank of America username with the phone number XXXX XXXX XXXX  XXXX pretending to be Bank of America.
Consumer complaint received 2022-07-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I bought the car on the XXXX of XXXX. I had 7 days to bring them a check for buy out. On the XXXX, I brought a check from my credit union for the buy out. Prior to that I had bought another vehicle from them and dud the same process. Within 3 days Capital one adjust the loan as it was funded with my credit union. Unfortunately I returned that vehicle due to potential mechanical issues. So I bought the 2nd car and followed the same process. However this time around Capital one is telling me I have a loan with them for the same vehicle which has been paid for from my credit union. I've been calling the local dealership for about 2 plus weeks now, call the XXXX corporate XXXX and they all keeps telling me they not sure what happens but they are researching it. This is absolutely insane, so now I have 1 vehicle but 2 loans are being reported under my credit while XXXX apparently has being paid twice for 1 car. I'm tired of calling the dealership and XXXX XXXX. Pls help, this is frustrating. 


XXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with Equifax was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-12
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: EQUIFAX, INC. (PR)

The following hard inquiries are fraudulent and do not belong to me, therefore, they need to be removed. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2024-09-04
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: Resolve Partners, LLC (FL)

On Wednesday, XX/XX/year> applied at Preserve XXXX XXXX main front office ( I am current resident under different private owner ) and was told application was pending approval Conditional w/ double deposit on XXXX XXXX XXXX, I received email both I and roommate ( my brother ) were denied by RESOLVE PARTNERS tenant screening due to collections account. After review of my XXXX credit it only shows XXXX collections and XXXX installments ( XXXX - student loans XXXX secured bank loan ). However, on the tenant screening report that RESOLVE PARTNERS sent to me included in a scorecard were XXXX collections at which point this was cause for DENIAL of my rental application. Income and Background check passed. As well as no Eviction history. As so did Income and Background check pass for my brother. After speaking with an agent at RESOLVE, she stated it is averaged out. I explained if it was based on average than it should have Passed or been Conditional ( as I was told on XXXX that's what was pending ) and not a FAIL, FAIL, as there were more Pass and Conditional than Fail. It is my information and belief that I was treated unfairly and victimized by bias and abusive business practices. Especially given if the Income and Background check passed. Again, I was told it was pending Conditional with a double deposit of {$530.00} nonrefundable. Then on XXXX XXXXXX/XX/year>, I was blindsided to be outright denied, is evident this was unfair. On Monday XX/XX/year>, I called RESOLVED and asked them to allow me re-access to the Tenant Scorecard, however, this report is now showing they pulled XXXX and not XXXX, evident of discrepancy, because on XXXX, the report was XXXX, which is what prompted me to question the validity of the reporting they received. Also in addition, the XXXX had a XXXX, as so did my other reports. When I reviewed the report, it shows RESOLVE was allowed to override the freeze UNDER A VALID EXEMPTION PROVISION. As a result, of this decision, I had to extend my current lease for an additional XXXX days to avoid being homeless, as I was just currently received a XXXX diagnosis and my family and I were in support of helping me move into a bigger apartment to help support my XXXX journey toward healing and survival. I did attach my XXXX credit report on the first Complaint I sent. And now I am resubmitting this second complaint adding my XXXX summary again and the new XXXX tenant score card that RESOLVE PARTNERS sent ( the original they submitted to me on XX/XX/year> was XXXX not XXXX ).
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.