davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

As I have not heard back from you in over 60 days, regarding my demand for proof, since my notice of my dispute and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt?
4 ) Please evidence your authorization to do business or operate in the state.

5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have 15 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your le

tter ( s ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. Failure to respond within 15 days of this letter will begin my small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attachin
g property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validit
y of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2023-11-03
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Apple Auto Sales, Inc. (NC)

There is a debt in collections on my credit report from XX/XX/XXXX, XXXX.I contacted company numerous times for proof of this debt and was given the run around.. finally I contacted the credit bureau to dispute and have it removed and it is still on my credit report..The company is XXXX XXXX XXXX XXXX XXXX, XXXX XXXXthis collection I noticed has been on my reports for over XXXX  years..Thank you for your assistance in this matter
Consumer complaint received 2024-07-06
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: AMERICAN EXPRESS COMPANY (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-07-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Upgrade, Inc. (MO)

On XX/XX/year>, I logged into my Upgrade app to remove my stored banking information but was unable to find where or how to do so as the only option is to add another. 

I then also loggged into their website hoping that functionality was not available in app. Again, I was unable to remove the information. 

At XXXXXXXX XXXX, I called their customer support number, XXXX, and spoke with a live agent to ask them where I could do so or have them remove for me. The agent kindly agreed to deactivate them. I explained I did not wish for mere deactivation, but desired full deletion/removal, as I was concerned about the possibility of future data breaches. The agent stated their system did not allow for deletion of bank information and again offered to deactivate them. I reiterated my concern was not with unauthorized payments but did not want my data to be available in their system should they ever experience any sort of data breach. I was again told their system would not allow for deletion.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (IN)

On XX/XX/XXXX I sent OLLO CARD SERVICES a letter opting out of reporting. Its been over a month and they are still reporting. As a federally protected consumer, I have the right to opt out per 15 USC 6802. According to 12 CFR Part 1001, the Consumer Financial Protection Bureau ( CFPB ) is mandated to enforce federal consumer financial laws, ensuring the protection of consumers in financial transactions. This is also found in 15 usc 6805.

By OLLO CARD SERVICES still reporting to third parties AGAINST my consent. Its a violation of my privacy. The Privacy Act of XXXX, specifically under USC 5 U.S.C. 552a and 34 CFR Part 99.. This action violates the privacy protections outlined in the Privacy Act, which governs the collection, use, and disclosure of personal information.

A consumers right to opt out is found 12 CFR Part 1016.

OLLO CARD SERVICES duties according to 16 CFR Part 660 to report accuracy, completeness and integrity of information furnished to consumer reporting agencies. OLLO CARD SERVICES has labeled this debt as charged off. A charge off is labeled as a certificate of indebtedness and is technically INCOME per the IRS Publication 4681 ( " Canceled Debts, Foreclosures, Repossessions, and Abandonments '' ). Income is NOT reportable and must be removed. 
Please refer to the letter attached for more laws and violations.
Consumer complaint received 2024-07-02
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (CA)

I found on my credit report that I had a Citibank Home Depot revolving credit card. After ordering the statements that were from the year XXXX to XXXX, I noticed that the statements were addressed to my XXXX XXXX XXXX in XXXX XXXX, CA XXXX. When I arrived to investigate why I never seen a statement from XXXX. I was informed that my sister XXXX XXXX has been picking up, my mail.. I told the XXXX XXXX XXXX that this was my private locking XXXX XXXX and nobody should be getting my mail. I retired in the year XXXX and my bank account was over drawn from these purchases from this unknown credit card. I have never owned a Home Depot card. I would like restitution for all these damages incurred. Thank you
Consumer complaint received 2024-06-26
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. (TX)

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed in this payment history. Else, DELETE this account immediately! 

XXXX - XXXX The negative information displayed above has not been verified to be in compliance with reporting standards. It has not been confirmed to be accurate, complete, timely, and validated. As per applicable consumer laws, you are required to provide documented proof of compliance with reporting standards. The information provided is deficient, and I demand that any imperfect, inaccurate, incomplete, and unverified information be removed from my credit report immediately.
Consumer complaint received 2023-11-01
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-17
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-07-06
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MN)

I can not use the AMEX prepaid gift cards in most online or in-store retailers, and I've already heard from a couple of people who have had the same experience as me that AMEX themselves can not really do anything to help you spend the money other than to suggest you find another retailer and hope the cards work there. I decided to skip the trouble of finding another place where these cards could work and I came here because this was the only place where those people could find closure with their issues as they requested checks which they eventually received that contained the original balance on the AMEX cards that they had previously.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

I have sent all three of the credit reporting agencies and XXXX XXXX XXXX, a letter requesting validation of the debt letter Under 12 CFR 1006.34 ( c ) and USC 1692g ( a ). I have sent Experian, XXXX, and XXXX letters asking to validate the debt, not by simplifying accepting codes ; I request that the E Oscar system verify them. I have also mailed XXXX Resorts a letter, which was signed and dated XX/XX/, and I have not received any validation letter within 30 days. I have sent proof to Experian and XXXX showing evidence that the company has not validated any debt or sent me anything in writing. Both credit reporting agencies only sent me a code request for the 3rd time. The law clearly states that 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general, subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file by paragraph ( 5 ), before the end of the 30 days beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


You are now notified that you have violated 15 USC 1681i, and this account should be deleted immediately ; the credit reporting agencies are not following the law given to the consumer or creditors to abide by.
Consumer complaint received 2024-06-26
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. (OK)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-05-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GREENSKY OPERATIONS, LLC (FL)

RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Website : XXXX  Transaction Date : XX/XX/2024 Amount Paid : {$2.00} XXXX Payment Method : XXXX XXXX XXXX XXXX XXXX  I requested for the payment to go just to my principal balance. They told me that it can't be done and charge me interest even though I am ahead on my monthly payments. The interest charge was 9.9 % I was charged me {$93.00} Interest. I want that {$93.00} applied to my principal. 
Thank you
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I was Notified back in XXXX that this credit did in fact mark this account as fraud and its XXXX and this account is still on my credit profile as fast as they report these accounts it should be fast as they take them off Im in the process of home buying process and this account has XXXX late payments on it as well and again this was because of fraud
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Steel River Systems, LLC (FL)

Theres been a collection attached to my credit that I have no knowledge about. Ive been trying to figure out what this is and I cant get any information on it. As of what I know I dont owe anyone nor have I defaulted on any payments Ive had
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

As per guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as information requested from the list of acceptable items which only 2 are required per Law. I have provided all needed documentation as well as victim determination letter according to 1022.143 ( b ) ( 6 ).
Consumer complaint received 2024-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (OK)

The collection account below is a result of identity theft. 

Date : XX/XX/year> Collection Agency : Transworld System Inc Creditor Name : XXXX XXXX  Amount : {$710.00} Someone has used my identity to open utility accounts for various addresses in the the state of Texas. XXXX XXXX ( Transworld System Inc ) is the latest. I have never lived in Texas and if you review the lifetime of my credit report its obvious this is fraud not only because of my residence but also my pattern of paying bills on time. 

Thank You.
Consumer complaint received 2024-07-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Express Recovery Services, Inc. (UT)

FTC Report XXXX : XXXX. XXXX XXXX XXXX XXXX response was a clear stall tactic to ask for a FTC Report when I've already submitted it through the XXXX website. Clearly you don't understand consumer law. So let me send this again FTC Report XXXX : XXXX. Look it up! This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/year>, You { XXXX XXXX XXXX XXXX } You have violated the FDCPA XXXX and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged XXXX immediately or I will escalate this matter to taking legal action. 
I have not given you written permission to put anything on my credit profile 15 USC 1681b2. XXXX XXXX XXXX XXXX stated they need to reach out to the original creditor WOW! So you only have an itemized bill with my name on it and no proof that I own this debt! But XXXX XXXX XXXX XXXX XXXX stated to proceed to ask the original creditor for the contract Wow! XXXX XXXX XXXX XXXX purchase this account and I dont have any contracts with Express XXXX XXXX XXXXDELETE THE FOLLOWING ACCOUNT/S FROM YOUR RECORDS AND ALL CONSUMER REPORTING AGENCIES. 
Account name Acct # XXXX
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CrossCheck, Inc. (NY)

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX # XXXX XXXX NY XXXX Date of Birth : XX/XX/year> SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AZ XXXX I am writing to request an investigation of the following information that appears on my XXXX XXXX consumer report. i have never opened or used the following account numbers : bank : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX  XXXX XXXX Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX I don't recognize the following accounts in question. im a victim of identity theft and dont recognize these accounts on my report.im requesting the following be deleted from my early warnings consumer report immediately! ive attached a copy of the report to this request Thank you for your assistance sincerely. 


XXXX XXXX XXXX
Consumer complaint received 2024-07-02
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Americor Funding, LLC (MA)

The company called Americor sent me a flier that they could give me the loan to settle my credit debt. I called the number and and talked to the agent and she confirmed that if I am approved they will repay my credit debt. I've got approved for loan repayment program. After spending several hours for getting approved, signing paperwork online, and agreeing to pay XXXX dollars every month with about 6 % of rate the agent told me that after about XXXX months my loan will be repaid. I agreed to terms only on condition that the loan will be paid I started paying the money to escrolls account. I was warned that my credit score will go down but after the Americor will pay off my loan I will repair it very fast. After about a month I became suspicious and called the agent several times and she confirmed every time that I am not on loan consolidation but loan repayment program. After 2 months I withdrew from the program, because on my online account I was on loan consolidation program, but every time I called the agent who signed me up for the program ensured me that I am on loan repayment program. She was assuring me that everything is going fine, the process has started and pointed that next week after my call the company will start paying off my debt. As a result I end up with credit score dropping to the lowest point and I most probably will file for bankruptcy.