davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-04
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. (MD)

TransUnion has denied my Identity Theft Police Report that includes the person name that committed Identity Theft against me, Identity Theft Report from the Federal Trade Commission, and the Fair Credit Reporting Act ( FCRA ). TransUnion has ignored and denied my rights that protect me and my credit report/file of being a victim of Identity Theft. TransUnion has communicated to me that they are bigger than the laws that govern them of the Fair Credit Reporting Act ( FCRA ). TransUnion has ignored and denied 15 USC 1681C-1 ( FCRA Section 605A ), 15 USC 1681C-2 ( FCRA Section 605B, FCRA Section 609 ( e ), FCRA Section 605C-1, 15 USC Section 1681, 15USC Section 604 ( 2 ).
Consumer complaint received 2024-06-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elevate Recoveries, LLC (FL)

XXXX XXXX XXXX is listed on my credit report as a collection in the amount of {$740.00}. This debt to be collected is reported inaccurately.When asked for the original contract to be given none of which has been provided since 2023.This information of a debt owed by a company that has since tried to scam several people in owing a debt for services given by a company unheard of. I ask for this inaccurate information be deleted immediately from my credit report.
Consumer complaint received 2024-06-04
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. (FL)

Good afternoon, below I attach information from inquires and collections not recognized or authorized by me, the information that exists in my credit report is incorrect and I immediately need it to be removed from my credit report in EQUIFAX, XXXX, XXXX. I appreciate your timely collaboration and I remain attentive to your effective and prompt response XXXX INQUIRES DONT RECOGNIZED XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX / XXXX XXXX XX/XX/XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX EQUIFAX INQUIRES DONT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRES DONT RECOGNIZE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Sher & Shabsin PC (MO)

Sher & Shasbin fraudulently taking legal action with out proper notice and notifying me. 
I have never been XXXX nor XXXX XXXX, I order to secure a loan you have to provide valid iD, I do not and never had married documents in XXXX nor a XXXX XXXX!
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Upstart Holdings, Inc. (TX)

Upstart has repeatedly misrepresented and falsely reported payment history. Information on my account with them to XXXX credit bureau experial entrancing credit bureau multiple times over the last twenty seven months. Upstart is engaging, and this deceptive credit practices in violation with FDCPA and is deliberately sabotaging my credit score blatantly misrepresenting current payments as late progress made with positive reporting of my payment history. It has repeatedly reported changes to payments received in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. Please investigate Upstart credit reporting practice as they are deliberately causing irreparable harm to my credit. Furthermore the payments on Upstart website were on time and in deferment.
Consumer complaint received 2024-06-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (PA)

I have been disputing a medical bill for vaccinations in XXXX of 2022. I was charged {$990.00} by the medical provider, which was billed as a treatment for XXXX XXXX. Due to this error, the claim was denied by my health insurance provider unless the bill was corrected. I disputed this verbally and in writing with the provider with no response or notice to send to collection. I have now been sent to collections and requested verification of the debt, which is still incorrectly coded. This matter involves XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-10
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 just checked and reviewed again my XXXX, Equifax and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-07-12
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. (MA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, has violate my rights 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|
Consumer complaint received 2024-06-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: C/C Financial (GA)

I am unaware of this alleged debt that was placed on my XXXX, and XXXX XXXX report ( See PERFERRED LEASE XXXX XXXX ) and I did not receive proper notification of this debt which violates 12 CFR 1006.34 ( B ) ( 5 ) ( See XXXX XXXX ) Debt Collectors must notify you within 5 days of receiving your account. THIS HAS NOT BEEN DONE. I also have not been given a chance to dispute this debt according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ( See XXXX XXXX  ) If you, PERFERRED LEASE believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature. If this information can not be provided. I want this alleged debt removed from all my consumer reports effective Immediately.

This is really disheartening to know that PERFERRED LEASE can overlook the laws and rules that says that in order to place an alleged debt on a consumer report the debt collector MUST contact the consumer on the Consumer Financial Protection Bureau site. ( See XXXX XXXX ) I have found information that clearly states that debt parking is illegal and that a debt collector can not park a debt on a consumer report without first contacting the consumer in the connection of the debt. ( See XXXX XXXX ) To validate the debt, I am requesting the following information : The original sales agreement pertaining to the debt in question. PERFERRED LEASE license and documentation proving your authority to collect this debt from me. 

Additionally, I request my written consent for PERFERRED LEASE to have my NPI ( Non-Public Personal Information ) social security number, date of birth, address, and the contract that I agreed to publish the alleged debt to PERFERRED LEASE. Please be advised that this request is not an admission on my part, but rather a request for validation of the alleged debt. Upon receipt of the requested information and verification of its accuracy, I will then be in a position to discuss resolution. Please provide the requested documentation within the timeframe specified by the FDCPA. No validation of the alleged debt may result in taking further action to protect my rights. 

Thank you. 
XXXX XXXX XXXX
Consumer complaint received 2023-06-06
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)

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit 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
Consumer complaint received 2024-06-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch (GA)

I am unaware of this alleged debt that was placed on my XXXX AND XXXX consumer report ( See HELVEY ASSOC_Exhibit A ) and I did not receive proper notification of this debt which violates 12 CFR 1006.34 ( B ) ( 5 ) ( See Exhibit B ) Debt Collectors must notify you within 5 days of receiving your account. THIS HAS NOT BEEN DONE. I also have not been given a chance to dispute this debt according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ( See Exhibit C ) If you, HELVEY ASSOC believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature. If this information can not be provided. I want this alleged debt removed from all my consumer reports effective Immediately.

This is really disheartening to know that HELVEY ASSOC can overlook the laws and rules that says that in order to place an alleged debt on a consumer report the debt collector MUST contact the consumer on the Consumer Financial Protection Bureau site. ( See Exhibit D ) I have found information that clearly states that debt parking is illegal and that a debt collector can not park a debt on a consumer report without first contacting the consumer in the connection of the debt. ( See Exhibit E ) To validate the debt, I am requesting the following information : The original sales agreement pertaining to the debt in question. HELVEY ASSOC license and documentation proving your authority to collect this debt from me. 

Additionally, I request my written consent for HELVEY ASSOC to have my NPI ( Nonpublic Personal Information ) social security number, date of birth, address, and the contract that I agreed to publish the alleged debt to HELVEY ASSOC. Please be advised that this request is not an admission on my part, but rather a request for validation of the alleged debt. Upon receipt of the requested information and verification of its accuracy, I will then be in a position to discuss resolution. Please provide the requested documentation within the timeframe specified by the FDCPA. No validation of the alleged debt may result in taking further action to protect my rights. 

Thank you. 
XXXX XXXX XXXX
Consumer complaint received 2023-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX 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 2024-06-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SG and Associates (GA)

I am unaware of this alleged debt that was placed on my XXXX  consumer report ( See STAFFORD GRP_Exhibit A ) and I did not receive proper notification of this debt which violates 12 CFR 1006.34 ( B ) ( 5 ) ( See Exhibit B ) Debt Collectors must notify you within 5 days of receiving your account. THIS HAS NOT BEEN DONE. I also have not been given a chance to dispute this debt according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ( See Exhibit C ) If you, STAFFORD GRP / STAFFORD GROUP AND ASSOCIATES believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature. If this information can not be provided. I want this alleged debt removed from all my consumer reports effective Immediately. 

This is really disheartening to know that STAFFORD GRP / STAFFORD GROUP AND ASSOCIATES can overlook the laws and rules that says that in order to place an alleged debt on a consumer report the debt collector MUST contact the consumer on the Consumer Financial Protection Bureau site. ( See Exhibit D ) I have found information that clearly states that debt parking is illegal and that a debt collector can not park a debt on a consumer report without first contacting the consumer in the connection of the debt. ( See Exhibit E ) To validate the debt, I am requesting the following information : The original sales agreement pertaining to the debt in question. STAFFORD GRP / STAFFORD GROUP AND ASSOCIATES license and documentation proving your authority to collect this debt from me. 

Additionally, I request my written consent for STAFFORD GRP / STAFFORD GROUP AND ASSOCIATES to have my NPI ( Nonpublic Personal Information ) social security number, date of birth, address, and the contract that I agreed to publish the alleged debt to STAFFORD GRP / STAFFORD GROUP AND ASSOCIATES. Please be advised that this request is not an admission on my part, but rather a request for validation of the alleged debt. Upon receipt of the requested information and verification of its accuracy, I will then be in a position to discuss resolution. Please provide the requested documentation within the timeframe specified by the FDCPA. No validation of the alleged debt may result in taking further action to protect my rights. 

Thank you. 
XXXX XXXX XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX  XXXX XXXX did not properly notify of action against my account, and are in direct violation of 15 US code 1666 ( b ). There are no electronic notifications XXXX paper notifications nor calls for my personal credit card account until after XXXX of XXXX. I did not receive statements as requested by mail in XXXX. Additionally, I have made on time ACH withdrawal payments since last year XXXX of XXXX. They have reported my payments late and the amount of XXXX of payments made from XX/XX/XXXX to current and are reporting 30 days over due from XXXX of XXXX through XXXX of XXXX making a severe negative impact of my score causing other creditors to reduce my availability to credit and closing accounts due to their incorrect reporting.
Consumer complaint received 2024-06-19
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: M.A.R.S., Inc. (TX)

Your response was addressed as VERIFICATION. I did not ask for VERIFICATION, but VALIDATION. VALIDATION is forwarding copies of actual proof of the alleged debt & alleged debt from the ORIGINAL creditor, not who you purchased the debt from. VERIFICATION is being willing to testify under oath that you have the documents on hand from the original creditor. The printed statement attached is not VALIDATION-this is not a contract between me & INSERT COLLECTION AGENCY NAME whom I have never had any contact with nor received any information from them until you mentioned them in your letter. For the second time, I've asked where is the contract that shows you've been given the right to collect on the alleged debt from the ORIGINAL creditor.

Since you are 3rd party, they have no rights to collect anything from the alleged debtor since there is no way you can prove you were on any original contract. Familiarize yourself with 73 Am Jur, 2nd, Section 90. You have no right to " subrogate '' ( substitute ) yourself into a contract, whether it is by purchase, assignment, transfer, or trade. If you " bought '' the debt, you did it on your own behalf, not at the request of any alleged debtor, and therefore are a " stranger to the transaction '' ( voluntary payee ).
Consumer complaint received 2024-06-19
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: Credit Systems International, Inc. (AL)

-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Summit A*R, Inc. (IL)

I have provided XXXX with the information that Sumitt Collections is reporting a false debt on my account. I provided the evidence to them. 

XXXX XXXX who was recently fined and under federal investigation claims I owe them money. 

My bank investigated the matter and I won the dispute.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio (CA)

I am writing regarding a concerning matter I have noticed on my credit file. There appears to be a collection entry from your agency, which I was not previously aware of. Additionally, I have serious doubts about the accuracy of the debt being claimed. According to the Fair Debt Collection Practices Act, I have the right to request validation of this debt. I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-06-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc. (CA)

Im not liable for this debt with USCB America. I do not have a contract with the collection agency trying to collect and reporting this to my credit report. They did not provide me with the original contract as requested. This is a violation of my HIPAA rights as a consumer. In particular privacy rule 45 CFR parts 160 and 164.

I demand this account removed my credit report.
Consumer complaint received 2024-06-19
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: Collection Bureau of Fort Walton Beach, Inc (GA)

I discovered that COLLECTION BUREAU OF XXXX XXXX XXXX FL XXXX XXXX has furnished negative account information to my credit reports with XXXX, XXXX, and XXXX. The negative information is false and misleading and has damaged my credit rating and credit standing. This has severely hurt me and my family, preventing us from obtain credit for personal, family, and household purposes. Please see attached.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX
Consumer complaint received 2024-06-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optio Solutions, LLC (TX)

I am writing to formally dispute the validity of a debt claim made against me. Qualia Collection Services ' email dated XX/XX/XXXX, at XXXXXXXX XXXX XXXX, referenced an alleged debt of {$390.00} purportedly incurred on XX/XX/XXXX. 

I assert that this claim is erroneous. This matter was previously settled with XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) and adjudicated by the Consumer Financial Protection Bureau ( CFPB ) under Complaint ID : XXXX, dated XX/XX/XXXX. As per the resolution provided by XXXX in response to this complaint, it was concluded that, " On the strength of the documentation provided, we have ordered the account deleted from the credit bureaus. '' Enclosed with this communication, you will find copies of the relevant CFPB complaint and the formal response from XXXX, which substantiates the resolution of this matter and the directive to delete the account from all credit reporting agencies.