davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (CA)

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

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

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (CA)

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

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

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-04-26
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: ENCORE CAPITAL GROUP INC. (TX)

First there is no record of my original complaint, so this is the second one to report. I have disputed my old accounts with all three credit bureaus recently. XXXX and XXXX have cleared my accounts as they were 7 years old in Texas. I can not get XXXX to do the same. I sent them the same information and documentation for the accounts that are aging. They will not delete the accounts as they say they were verified and updated. I have an old credit report stating the accounts are to be removed XX/XX/2023 and XX/XX/2023 but they come up with a date of XXXX or XX/XX/2023. I have just sent letters to Midland Credit Management  and XXXX XXXX XXXX to validate the accounts.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

I contacted XXXX XXXX  XXXX in regards to XXXX separate reports made to XXXX XXXX XXXX XXXX in the 36 months prior to XX/XX/year>, disclosing sensitive Nonpublic Personal Information in regards to my Consumer Checking Account. In my Agreements with XXXX XXXX XXXX, I was told my information would never be shared with any third party non-affiliate. In their words, they dont share. I asked XXXX XXXX XXXXXXXX to provide evidence that XXXX XXXX XXXX XXXX is in fact a direct affiliate or compensate me for damages in alignment with the Willful Noncompliance remedies set forth in FCRA. ( 15 USC 1681n XXXX XXXX XXXX XXXX has refused to respond in writing to these findings or compensate me for violating my privacy among other damages. XXXX XXXX XXXX also reported my XXXX no less than XXXX times and requested information about me at least once in the same time frame, however I do not, nor have I ever had any kind of an account with XXXX XXXX XXXX. They are subject to regulations and statutes that would prevent them from ever making that report and receiving that information. They would also be required to provide an opportunity to Opt out. And then theres the issue of how did they have access to my XXXX  XXXX XXXX checking account information to be able to report these transactions. And Lastly, there was a checking account opened with USAA that was reported to XXXX XXXX XXXX XXXX with fraudulent information, including an address I have never seen, a phone number Ive never had, and an email address that Ive never seen and is clearly fraudulent. Not only is the account not mine, but I do not have any Military family members nor am I in the military, so I have reason to believe USAA opened it on my behalf fraudulently, and reported it to XXXX XXXX XXXX XXXX without my permission. According to the XXXX XXXX XXXX report I received also shows the USAA account that was opened has been closed and the information was purged, which is a violation as it is required for all Banks to hold information pertaining to accounts for at least 5 years, and it was opened and closed within 1 year.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (AL)

Credit acceptance requested that I pay a truck off. Once I paid the truck off they are still reporting late on my credit which is incorrect and they have not even updated the information stating the truck is closed and paid off. With them not cooperating my credit score is continuing to decline. They are reporting inaccurate information which is against the law I have reached out to them on several occasions. I cant make any purchases because they are damaging my credit for continuously reporting wrong information!
Consumer complaint received 2024-06-20
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. (GA)

In accordance with fair credit reporting act : The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 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 2024-06-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (CA)

Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX They are attempting to collect a debt from XXXX XXXX Bank dated XX/XX/year>. I dont know what this debt was for or even opening an account with XXXX XXXX XXXX  XXXX They are requesting documentation from me. This is clearly past the statute of limitations.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos XXXX XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX  out of XXXX XXXX my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-09-03
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. (TN)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (NY)

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

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my GS BANK USA - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-08-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Upgrade, Inc. (AZ)

I am writing to file a complaint against Upgrade , Inc. concerning their unethical collection practices and violations of privacy related to my account. 

Due to financial difficulties, I contacted Upgrade to request a forbearance or a reduced payment plan. Upgrade agreed to a modified payment plan, reducing my monthly payments for six months. I complied with this arrangement, making the reduced payments as agreed. Despite this, Upgrade 's collections department continued to contact me, demanding full payment and incorrectly asserting that my account was delinquent. 

I explicitly instructed Upgrade 's collections representatives that I was on a modified payment plan and that no further payments were due. Nevertheless, their calls persisted. During these calls, I was repeatedly asked to provide my Social Security number, which I refused to disclose due to privacy concerns.

Furthermore, Upgrade began contacting me via unsecured email, disclosing sensitive account information, including visible account numbers and balances. This is a serious breach of privacy and security.

To make matters worse, Upgrade reported my account to the credit bureaus as delinquent despite our agreement that the modified payment plan would prevent such adverse credit reporting. This reporting has adversely affected my credit score and financial standing.

In summary : Upgrade 's collections department continued to harass me despite my compliance with a modified payment plan.

Upgrade requested my Social Security number inappropriately and repeatedly.

Upgrade used unsecured email to send sensitive account information.

Upgrade reported my account as delinquent to the credit bureaus in violation of our agreement.

I request that the CFPB investigate these unethical practices and privacy violations. I also seek assistance in ensuring that Upgrade corrects the erroneous credit reporting and addresses their unethical collection activities.

Thank you for your attention to this serious matter.
Consumer complaint received 2024-05-14
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. (FL)

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have ITEMS left that needed to be removed. This is another letter attempt to dispute the items in my credit file which resulted from an alleged identity theft. Again, Im sending over an Identity Theft Report XXXX XXXXXXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information or items in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$1900.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4000.00} XXXX XXXX XXXXXX/XX/year> ========XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX  Balance Owed : {$4000.00} XXXXTransUnion : XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance : {$1900.00}. Please note that you have 4 business days to REMOVE the reporting of any items in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Consumer complaint received 2024-08-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (FL)

This company IQ DATA INTERNATIONAL with account XXXX XXXXXXXX and a balance of {$5300.00}. The original creditor is XXXX XXXX XXXX XXXX FL is reporting a fraudulent inaccurate report information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Consumer complaint received 2023-04-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

Iam writing in regards to the debt that you have been attempting to collect from me Jefferson Capital. I must express my concerns regarding the tactics that your company has employed in attempting to collect this debt that does not belong to me. I want to make it clear i do not owe this debt. Please be advised that iam aware of my rights under the Fair Debt Collection Practices Act and i will not hesitate to take legal action of your company continues to harass me in attempting to collect this debt that is NOT mine
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-14
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. (IN)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-14
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and Transunion 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX XXXX Balance Owed : {$1600.00}
Consumer complaint received 2023-08-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I received unauthorized medical accounts on my credit report which is ruining my credit score and profile and making it hard for me to live everyday life Original creditor XXXX XXXX XXXX XXXXXXXX XXXX Date open XX/XX/2022 Collection account. {$1400.00} past
Consumer complaint received 2024-07-23
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. (FL)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-05-14
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 confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 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 2024-06-05
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (MN)

On XX/XX/XXXX I asked Credit Acceptance for a name change on the said loan paperwork. I received forms again with the incorrect name on the paperwork. Loan also is having a bad impact on my credit and vehicle was voluntary repossessed an sold in XXXX. Since I did not receive corrected paperwork with the correct name I dont feel like Im liable for this joint loan And I want this removed from my credit since I did not receive the paperwork that I asked for several times with the correct name on it