davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (GA)

LexisNexis is not report accurate information. I have asked for my consumer report to be updated accurately. 

Name : XXXX XXXX XXXX : XX/XX/1970 SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2024-06-30
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (KY)

The company IQ Data International Inc is reporting inaccurate information on my credit report which in turn is affecting my credit negatively. Ive never done business nor have I signed any contract with them. On XX/XX/year>, I filed a dispute with the BBB requesting that IQ Data International remove the item from my credit report using code 15 U.S.C 1681 and 15 U.S.C 1692 Sec.809 ( b ) They replied on XX/XX/year> stating that the account is valid. I then replied on XX/XX/year> asking them to verify that the account was mine by sending me the requested information from 15 U.S.C. 1692g. IQ Data responded back on XX/XX/year> with a letter however they didnt send me the information requested. The only information they provided was my name and the balance they claim I owe them. Ive disputed this account with the credit bureaus and it came back as verified as well. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), any information furnished to consumer reporting agencies has to be accurate and can be substantiated. IQ Data also lied and said they have my signature which I never provided to them nor did I receive any documentation with it. I also requested the credit bureau to provide me with the process they used to verify the account which I still have yet to receive.
Consumer complaint received 2024-07-04
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: Global Lending Services LLC (CA)

On XX/XX/year>, I received an email from XXXX XXXX saying a hard inquiry has been added to my credit report. I logged in and checked there were 5 new hard inquiries on my report that I did not authorize nor have any idea where they came from. I have not applied for any new credit cards, loans, or car loans. I also checked the personal information section and there was a company listed under employer called XXXX XXXX XXXX XXXX which I have never worked there or heard of that company. Also in the personal section there was 2 additional names under mine. Which I only use one name my whole life.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have inquiries and a bankruptcy on my credit report that doesn't belong to be I was a victim of Identity theft fraud I made a complaint with my local police department and the FTC report I contacted all XXXX bureaus Transunion, XXXX and XXXX doesn't want to remove the inquiries or Bankruptcy off my credit report here are the inquiries and Bankruptcy of my credit report XXXX  XXXX Bankruptcy Case Number : XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX InXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Government XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry
Consumer complaint received 2023-02-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America XX/XX/2023 An account was opened under my name and XXXX without verifying my identity through different documents ( photo ID, proof of address, etc.. ). The account was initially opened under my email, and did not need a confirmation code it was still able to be opened. 

The company closed the account and flagged it after I called and reported it. They also sent me a link to a guide on preventing Identity Theft. However, I am worried that this may happen again since there seems to be no precautionary action on their side to prevent someone from opening an account with just SSN and name.
Consumer complaint received 2024-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources (GA)

I was trying to buy a house and noticed I had damages on my credit report. According to the 15 U.S.C. 1681 law there should not be any damages on my credit report as it is a defamation to my character.
Consumer complaint received 2024-07-10
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: Atlanticus Services Corporation (MD)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2023-09-19
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. (WI)

Multiple complaints have been filed with you highlighting your violations of my consumer rights. You have consistently denied and disregarded my complaints, despite having no evidence to support your position. You have also committed numerous acts of fraud against me. Attached to this letter is an Affidavit of Truth that details the violations of the FCRA that have been committed against me. These Bankruptcy accounts must be removed immediately from my consumer report/file ; otherwise, I will pursue you in federal court for these violations, as I have months of paper trail and deletions from the other consumer reporting agencies admitting the violations. This is the account : XXXX  XXXX XXXX- XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-06-30
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Possible Financial Inc (MI)

XXXX XXXX XXXX XXXX XXXX, Michigan, XXXX XXXX XXXX XX/XX/year> Possible Financial Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX, Washington, XXXX Subject : Dispute of Debt Collection and Reporting Practices Dear Sir/Madam, I am writing to formally dispute the debt collection practices of Possible XXXX XXXX XXXX XXXX pertain to an account placed on my consumer report. This account, referenced as Account number : XXXX, has several violations of my consumer rights as protected under federal law. 

Specifically, Possible Financial Inc. has failed to provide the required validation information under 12 CFR 1006.34 ( b ) ( 5 ) before placing this collection on my consumer report. This regulation mandates that debt collectors must provide certain validation information about the debt, yet I have received no such documentation.

Additionally, I have not been given the opportunity to dispute the account, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This regulation ensures that consumers have the chance to challenge the validity of a debt before it is reported to consumer reporting agencies. The failure to provide this opportunity is a clear violation of my rights.

Moreover, Possible Financial Inc. is in violation of my consumer rights by using false, misleading, misrepresentative, and deceptive means in their collection practices. Such conduct is explicitly prohibited and is harmful to consumers.

It is also important to note that Possible Financial Inc. has no authority to furnish any account to consumer reporting agencies without providing all disclosures required by law. The actions taken by Possible Financial Inc. are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), which govern the furnishing of information to consumer reporting agencies and the responsibilities of furnishers to provide accurate information.

I demand that Possible Financial Inc. immediately cease reporting this account on my consumer report and remove any related entries. Additionally, I request that you provide all validation information related to this debt as required by law, and that I am given a proper opportunity to dispute this debt. 

Failure to comply with these requests will result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action to protect my rights. 

Please acknowledge receipt of this letter and inform me of the steps you are taking to resolve this matter within 30 days. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-16
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. (SC)

FOR FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX I DO NOT AND WILL NOT AGREE WITH THE DECISION THAT WAS MADE ON MY LIFE BASED UPON MY CREDIT REPORT WHICH IS REPORTING FRAUDULENT ACCOUNTS. EXPERIAN YOU STILL ARE VIOLATING MY CONSUMER RIGHTS AND HAVE BEEN VIOLATING MY RIGHTS FOR QUITE SOME TIME. YOU ARE NOW SAYING THAT YOU REFUSE TO REMOVE ANY FRAUDULENT ACCOUNTS KNOWING THAT YOU CONTINUOUSLY BREAK THE LAW. AFTER ALL THE PROPER DOCUMENTATION THAT WAS SENT TO YOU. YOU ARE ALSO SAYING THAT IT IS OK FOR YOU TO BREAK THE LAW. AFTER YOU " RESEARCHED '' THE INFORMATION OF ACCOUNTS, DID YOU RESEARCH THE LAWS THAT WERE SENT TO YOU THAT YOU HAVE VIOLATED? YOU ARE NOW SAYING TO ME, THE CREDITOR AND THE CONSUMER, THAT YOU XXXX IS KNOWINGLY BREAKING THE LAW AND JEOPARDIZING THE INTEGRITY OF THIS COMPANY? LET ME REMIND YOU AGAIN EXPERIAN OF WHAT LAWS THAT YOU HAVE VIOLATED. ALSO YOU HAVE VIOLATED A CEASE AND DESIST AND YOU IGNORED MY FTC REPORT WHICH IS A FACTUAL AND CRUCIAL PIECE OF EVIDENCE IN THIS MATTER PERTAINING TO THESE FRAUDULENT ACCOUNTS REPORTING ON MY CREDIT PROFILE. VIOLATIONS THAT EXPERIAN HAS COMMITTED AND CONTINUOUSLY COMMIT : 1. THE TRUTH AND LENDING ACT-15 US CODE 1681 a 2. AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. 3. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 4.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 5. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 6. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 7. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 8. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 9.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 10. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ( what purpose do you have? ), 11.10. 42 USC 408 ( ILLEGAL ( FRAUD ) TO ASK FOR SOCIAL SECURITY NUMBER ) YOU ARE NOW SUBJECT TO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. AS I HAVE NOW GAVE YOU LAWS THAT ARE REAL LEGAL LAWS WHICH YOU HAVE INCRIMINATED YOURSELF AS COMPANY, TO CONTINUOUSLY COMMIT, WHAT WILL BE DONE ON YOUR BEHALF TO REMOVE ALL FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( ALL FRAUDULENT ACCOUNTS THAT DO NOT BEAR MY WET SIGNATURE )?
Consumer complaint received 2024-07-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (CA)

Called and ask to borrow {$700.00} dollars in XX/XX/2024 received money that night. They were taking out {$260.00} a month. Called them at XXXX on XX/XX/2024 the person on the phone said the payoff was {$790.00} dollars. I said how could that be he wouldn't give me the % rate. Ask to speak to a manager he verified the payoff said the % was XXXX and that the payments would go on for 12 months.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DIRECMANAGEMENT, INC. (AL)

I have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and this company that is making money off me while maintaining my credit in the ruins and selling my information to third parties. After reviewing my credit reports I noticed that XXXX XXXX is alleging that I owed an amount of {$1400.00} to them without furnishing any proof of verification of this debt or that they followed all laws and regulations to report. I have continuously reached out to discuss this matter and XXXX XXXX has denied all communications with me and never responded within the time frame required by law. Pursuant to 1692g, i requested the Method of Verification for the said account and XXXX XXXX failed to comply as well in a timely manner. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. I was also threatened that my credit would be ruined if I did not pay off this debt after my most recent attempts to collect data from said account investigations.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing a formal and urgent complaint against XXXX XXXX  regarding their obvious disregard for the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. The reporting of this inaccurate and unverified account has severely damaged my credit score and financial standing. This has caused me significant hardship, including difficulties in obtaining credit, higher interest rates, and considerable stress and frustration. The irresponsible actions of XXXX XXXXXXXX have resulted in undue harm to my financial reputation and stability. Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: V and H Portfolio (IL)

I am writing to dispute an account thats misleading and inaccurate. 

Company Name : Vance & Huffman LLC Address : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone Number : XXXX Account Number : XXXX Amount Claimed to owed : {$1900.00} This account listed on my credit report I have no acknowledgment of the Agency. I never received any funding from this company to owe such debt. I filed a report with the Federal Trade Commission and I also filed an Affidavit. Im requesting ORIGINAL PURCHASE AGREEMENT Signed Contract Agreement. This Unverified account remains open on my report which is a violation of my consumer rights. Im demanding that this account be removed immediately from my credit report.
Consumer complaint received 2023-11-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: Dovenmuehle Mortgage, Inc. (VA)

I spoke with XXXX XXXX XXXXDovenmuehle Mortgage, INC back XXXX XX/XX/2023 when I realized that I failed to provide them with my new checking account information for my XXXX payment. That is my fault and I realize that I made that mistake. I spoke with a representative, I can not recall her name, but I provided her with my XXXX XXXX XXXX Checking account information ending in XXXX. She assured me that it was ok and that she would have it reprocessed for XX/XX/2023. I kept an eye out for the transaction in my checking account and did not see it. I received a notification from my old financial institution that my account was in the negative by {$9.00} due to a transaction from Dovenmuehle and I had been charged a fee for {$32.00}. 
This was in addition to their attempt on XX/XX/2023 due to my failure to provide the updated checking account information. 

When I called XXXX XXXX XXXXDovenmuehle Mortgage, INC today , the customer service associate I spoke with would not listen to me when I was trying to explain that they had tried twice to withdraw the funds from the old checking account. I gave up and asked for a supervisor. I was transferred to XXXX. XXXX was rude and spoke over me. She could not explain why I was told my correct checking account would be billed for the XXXX payment on XX/XX/2023 when I provided the new checking account information on XX/XX/2023. I felt that I could not trust XXXX as she seemed to not believe that they had attempted to withdraw the XXXX payment again or that I was told that. She wouldn't even take a payment from me. I asked to be made whole for their error and have something in writing so that I could get the {$32.00} fee from my bank for their 2nd attempt to be refunded to me. I had her spell out the email address as she refused to do anything via phone and it had to be in writing. The email ended up being returned as not delivered. I found a way to access XXXX XXXX XXXX directly and sent a message to them and have never heard back.
Consumer complaint received 2023-11-03
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confiden

tiality under 15 USC 1681. 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 2024-02-12
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Stenger & Stenger, P.C (OH)

OXXXX XXXX/2024. I received a call from Stenger, Stenger, pc. Phone number XXXX. I missed the call and I then return the call there was a female on the phone I asked her who was the original creditor she advised me she needed to verify who I was and I agreed I gave her my first and last name the spelling my address my phone number the last four of my social security number my date of birth .she refused to tell me who the original creditor was after several request she demanded to know my source of income and where I worked before she will reveal the creditor. I advised her I had no issues speaking with her I had given her all of my personal information not knowing who I had given it to very concerned I feel like she is breaking some type of law with this company not revealing who the creditor is after having all of my personal information.