davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-30
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. (TX)

I am writing to dispute the account XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. XXXX is reporting the account number as XXXX while Equifax reports XXXX is this possible when all data should furnished should be the same? I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you.
Consumer complaint received 2023-04-30
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: Experian Information Solutions Inc. (FL)

On XX/XX/2023 Experian updated my credit report but failed to remove the inaccuracies and clear violations of the Fair Credit Reporting Act ( 15 U.S Code 1681 ). My consumer report dictates my ability to function in the world of commerce. I feel Experian is ignoring my requests to thoroughly investigate the information they are receiving from furnishers. The consumer has a right to privacy and according to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) - ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Also, I never gave Experian written consent to furnish any information on my consumer report, according to 15 U.S. Code 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I have included the recent copy of the Experian consumer report where the violations are clear and in black and white. The report contains an address that can not receive mail and I have never been associated with the mentioned address, it doesn't exist. I have the right to an accurate consumer report and Experian has a duty to ensure the information is accurate and they are following the law. I am aware that the information on my consumer report has been securitized and being traded for profits. This will be my final attempt to solve this matter through this channel before I am forced to order a Bloomberg Certified forensic audit to investigate CUSIP numbers initiated by Experian associated with my name, social security number. I will then file a complaint with the Security Exchange Commission with the findings from the audit.
Consumer complaint received 2023-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (FL)

This is in response to claim # XXXX which was not adequately addressed. See attached amended letter from AMEX that I received in XXXX OF XXXX with revised terms. It states that transactions BEFORE XX/XX/XXXX : CURRENT APRs WILL CONTINUE TO APPLY TO THESE TRANSACTIONS and the new XXXX will apply to purchases and balance transfers made ON OR AFTER XX/XX/XXXX. My APR did not change until XX/XX/XXXX and is being applied RETROACTIVELY to XXXX!! Prime rates did not increase until XX/XX/XXXX!! 

PREDATORY!!
Consumer complaint received 2023-11-24
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. (CA)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. I did dot give them permission to check my credit you will not find my signature on these XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

On XX/XX/23 Select Portfolio Servicing drafted a false document. The document is identified as a Escrow Closing Letter. They indicated on the letter that I requested to close my escrow account and ask that I respond, to the letter, before XX/XX/23. 

SPS action are in retaliation to my claim filed with the Consumer Financial Protection Bureau. 

On XX/XX/23, I drafted an email to SPS at XXXX indicating that I never request the removal of my escrow account and the claim is false. I made a follow up call on XX/XX/23 at XXXX. On this call, I spoke with XXXX ( XXXX ). I informed her that I NEVER requested to remove the escrow account and and I did NOT desire for it to be removed. My request was for my account to be noted and reflected as such. She advised that the escrow is scheduled to be included for the Month of XXXX. 

On XX/XX/23, SPS issued my monthly statement that reflected a balance due of {$3800.00}. The current balance for the Month of XXXX was {$1900.00}. The statement also reflected a special account contribution in the amount of {$670.00} for the Month of XXXX, but there was still no reporting of my escrow payment for the Month of XXXX. 

On XX/XX/23, I submitted my payment online in the amount of {$1900.00}, for the Month of XXXX. This payment posted to my account applying {$1000.00} towards principal and interest and {$740.00} towards the escrow account. Based on my calculations there is {$170.00} unaccounted for and misallocated. 

On XX/XX/23, I accessed my SPS account to see that they had removed the escrow for the Month of XXXX. The account reflects a balance due for XXXX in the amount of {$1000.00}. 

Because my account has not been updated to reflect the escrow payment for the Month of XXXX. ( {$670.00} ) Also, because my transaction were made electronically, I am requesting that SPS be reported to the FTC for an internal investigation. Due to the falsification of a legal document, and the removal of my escrow account, by SPS on XX/XX/23, I am request DOJ perform an internal investigation into all legal transactions. 

The actions of SPS have caused me mental and physical injury. I have lost time from work to seek out mental and physical support to deal with my XXXX XXXX  and XXXX XXXX XXXX I am requesting that SPS issue pain and suffering compensation to me in the amount of {$2500.00}.
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upstart Holdings, Inc. (PA)

I opened a dispute against Upstart Network regarding the violation of my federally protected consumer protected rights and the requirements of the FCRA, that the company failed to comply with. 

As per the company 's own arbitration agreement, in instances where a dispute arises, this must be handled through binding arbitration, the company did not do such a thing. 

As per the company 's own terms and conditions, they will not sell my information to any third parties, which they did when they sold my information to the various consumer reporting agencies, without my written consent. I did not receive the XXXX XXXX XXXX XXXX disclosure, as necessary by XXXX XXXX. 

I requested all accounting history related to this account, from account opening until account was closed.
Consumer complaint received 2023-12-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

These disputes have been escalated several times, and I have provided extensive documentation to support my claims. However, despite my efforts and the escalation of these matters, the inaccurate late payment accounts persist on my credit reports. I was the victim and XXXX not sure why the CRA is not complying with the law. The other bureaus have followed suit. XXXX very confused why this one seems to ignore my requests. I am concerned that despite my continued efforts to resolve these issues, the inaccuracies in reporting have not been rectified. I question why your bureau has not conducted a thorough investigation into the validity of the late payment accounts and failed to provide accurate information on my credit reports. The lack of resolution suggests a deficiency in your investigative processes. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX  XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I am aware that under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to conduct reasonable investigations into disputed information. I am troubled by the apparent failure of your bureau to fulfill this obligation, resulting in the continued reporting of inaccurate information.
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.
Consumer complaint received 2024-08-21
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

to inform you that you have unlawfully reported an allegedly report. Under the New Rule REGULATION F which took XXXX 2021, You ( Columbia debt recovery ) You have violated id its new rule by parking this alleged debt on my consume Desist the reporting of this alleged Debt immediately or I v to taking legal action. I have not given you written permissi XXXX my credit profile 15 USC 1681b2. You have no permissibl tact third parties with my private or personal information. Yo Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. Yo /transferred, possessed, or used, without lawful authority, a n tion of me, which is a felony punishable with up to 2 years of ment, in addition to civil liability. I AM A LITIGIOUS CONSUME SITATE TO TAKE LEGAL ACTION AGAINST { Columbia debt recovery 92c ( c ) Ceasing communication If a consumer notifies a debt co that the consumer refuses to pay a debt or that the consumer wi llector to cease further communication with the consumer, the d or shall not communicate further with the consumer with respect refuse to pay this alleged debt. Cease and Desist all collections a XXXX this alleged debt and PROMPTLY Delete it from all consumer les that you have reported this inaccurate, incomplete, erroneous ding information to at once. The reporting of such inaccurate Information severe damage to my character, my reputation, my general n and my ability to obtain credit for personal and house purposes.
Consumer complaint received 2024-04-30
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. (IL)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-11-14
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. (NY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX  years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Consumer complaint received 2024-11-14
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MS)

My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. 
I demand that the following accounts listed on attached document be removed immediately.
Consumer complaint received 2022-11-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

I just received a copy of my consumer report and notice on XX/XX/2022 fair collection & out reporting a alleged debt in amount of {$12000.00} without notice which is a violation under FEDERAL TRADE COMMISSION called debt parking this is damaging my reputation, character, as a consumer under 15 USC 1681 ( 2 )
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

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 In accordance with the Fair Credit Reporting Act the list of account below has violated my federally protected consumer rights to privacy and confidentialy under 15 USC 1681. The account below has violated 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. 15 U.S.C. 1681 C. ( 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 1681 S-2 ( A ) ( a ) A person that 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 innacurate. DELETE THE ACCOUNT BELOW
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am composing this letter to formally file a complaint about the inaccurate personal information that appears on my credit report. I discovered confidential information that does not belong to me while reviewing my credit report, including [ specific details such as an incorrect name, address, and Social Security number ]. I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies, as this erroneous information may have a detrimental impact on my creditworthiness and financial standing. Your immediate attention to this matter is greatly valued, and I am in anticipation of a prompt resolution to guarantee the accuracy and integrity of my credit report.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. ''