davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TN)

On XX/XX/2023, LVNV Funding received a debt validation letter from XXXX XXXX. LVNV Funding did not validate the debt that LVNV Funding allegedly claim I owe. As a result of that failure, LVNV Funding also received a letter demanding the deletion of the alleged account from all consumer reporting agencies on XX/XX/2023. Under the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], disputed items must be validated or deleted and removed from my credit record within 5 days. LVNV Funding have triggered Privacy Act violations U.S.C. 552a ( g ) ( 1 ) ( A ). LVNV Funding neglected to respond or comply. LVNV Funding has obtained my personal private information including but not limited to my social security number, outdated addresses, names, and phone numbers which is a violation of the Privacy Act because LVNV Funding does not have a certified document granting them permissible purpose to furnish anything about me or to have my information for that matter. I did not give LVNV Funding legal permissible purpose per FCRA. LVNV Funding is a known junk debt buyer. Per 15 USC 1692K Civil liability, LVNV Funding is now liable for violations that they have carelessly committed. These behaviors are also considered abusive and harassing. I am aware that LVNV Funding was sued before for abusive and deceptive practices and behaviors towards past consumers. Recently, LVNV Funding attempted to sue XXXX XXXX from XXXX for a debt he did not owe. LVNV Funding was then ordered to pay XXXX XXXX {$19000.00}. LVNV Funding will be sued if LVNV Funding continues and attempts to call my bluff as a federally protected consumer by not complying with the FDCPA, FCRA, and Privacy Act. The actions LVNV Funding have committed constitute identity theft and fraud. LVNV Funding will be reported to the FTC once more.
Consumer complaint received 2023-09-19
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. (FL)

I am writing to formally dispute the inclusion of certain items in my consumer report, which I believe were reported without my written consent. I am bringing this matter to your attention in accordance with the provisions of 15 USC 1681b, which safeguards the privacy of consumer information.

I filed a report with the Federal Trade Commission ( FTC ) regarding the unauthorized reporting of my personal information, which I believe constitutes identity theft. I have been issued a reference number for this FTC report, which is [ XXXX ]. 

According to 15 USC 1681c-2, consumer reporting agencies are required to promptly block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from alleged identity theft. I kindly request that you adhere to this legal requirement and remove the following accounts from my consumer report immediately : ACCOUNT INFO Account name XXXX Account number XXXX Account name XXXX XXXX XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (GA)

A Lawful Contract has : ( 1 ) offer, ( 2 ) equal consideration, ( 3 ) acceptance by all parties for the contract, and ( 4 ) the signatures by all parties involved with the contract. Only the parties signing the contract can participate in the discussion of the contract : Full disclosure about the contract is imperative. 

XXXX, Me, XXXX XXXX XXXX, a living Woman, who does NOT have a contract or a " wet ink '' Signature with XXXX  XXXX XXXX XXXX XXXX  and/or MIDLAND CREDIT MANAGEMENT. XXXX XXXX XXXX XXXX. 
Make it also known that Me, First of the family XXXX, a living soul woman, have not seen nor witnessed a " wet ink '' signature contract between XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX  and/or MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX. nor have I ever received a True Bill in commerce in regards to the above-reference account.The XXXX XXXX XXXX XXXX XXXX  and/or MIDLAND CREDIT MANAGEMENT have attempted to upon levy and / or trespass upon Me, the Living Soul Woman, without due cause. There is NO valid contract, and said XXXX XXXX XXXX XXXX XXXX and/or MIDLAND CREDIT MANAGEMENT have also used my copyrighted, commercial property, the artwork of XXXX XXXX XXXX XXXX without my prior, written consent. 

The XXXX XXXX XXXX XXXX XXXX  and/or MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX, are obviously trying to do harm to Me, the Living Soul Woman, XXXX XXXX of the family XXXX by XXXX, force of threat, force of contract, payment of fictitious debt, etc. to steal Me, XXXX XXXX XXXX, property at Non-Commercial, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Georgia, and any and/or all possessions of Me, the Living Soul Woman, XXXX XXXX XXXXXXXX. 

Where there is NO CONTRACT, there is NO CASE ( see Erie Railroad Co. v. Tompkins, 1938 ). If there is any assumed CONTRACT and/or CONTRACTS with any and/or all XXXX XXXX XXXX XXXX XXXX  and/or MIDLAND CREDIT MANAGEMENT., XXXX XXXX XXXX XXXX  XXXX between Affiant, Me, XXXX XXXX of the family XXXX, a living soul and Woman, I hereby rescind, decline, revoke any my signature on any and all said contracts, and they are hereby NULL and VOID.
Consumer complaint received 2023-12-18
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)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-12-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (TX)

I had a credit limit of {$1500.00} for dental work. When I had to get a test done for my XXXX and I was told by my doctor 's office that it was not covered by my insurance, I place a {$75.00} dollars on this account. The credit card company sent out a new card to the wrong address and the person at the old address maxed out the card.
Consumer complaint received 2023-12-18
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. (FL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

XXXX issued a charge in the amount of {$260.00} to my account from their member, XXXX. I did not receive any merchandise from XXXX. XXXX reached out to me via XXXX. I responded and advised the merchant to via XXXX they needed to file a claim with the United States Postal Service ( USPS ) per the USPS directive. The merchant did not mail the items from XXXX XXXX XXXX, Signature Required. The USPS could not verify they received the package for distribution to me. I never received the goods or services, yet Chase charged my account back the {$260.00} they originally credited me without notification until I received my statement today. It is not my fault the merchant tried to ship the package inexpensively and not ship Registered Mail, Signature Required. It was likely stolen in transit from XXXX.
Consumer complaint received 2023-12-23
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: CITIBANK, N.A. (VA)

On XX/XX/ I disputed the medical debt collections. It was still kept on my report even though XXXX has written articles on removing medical debt collections that are paid in full. I did not explicitly state this was the reason I was disputing the account. Confirmation number : XXXX. On XXXX  I disputed the medical debt collections again. It was still kept on my report even though XXXX has written articles on removing medical debt collections that are paid in full. These articles I have attached to the XXXX dispute. I called and spoke to one representative who did not know about XXXX 's removal of medical debt, sent to collections, and paid in full. I was transferred to a supervisor XXXX, who only verified my information and concern then dropped the call and did not call me back. I then called another time and was told to attach a cover letter outlining my request in addition to the articles I already attached as supporting documents. Confirmation number : XXXX On XXXX I disputed the medical debt collections again, for the third time. It was still kept on my report even though XXXX has written articles on removing medical debt collections that are paid in full. I attached a cover letter explaining the removal of medical debt, paid in full, and in collections. I attached articles both to the cover letter and the dispute itself. Confirmation number : XXXX I called on XX/XX/ and spoke to XXXX XXXX I am at a loss and have no idea why these articles, published by XXXX aren't made aware to the dispute investigators, why the documents aren't being read, and how many more disputes until the new policy is taught to individuals. 

On XXXX XXXX I applied for a Citi Custom Cash card. I was told I was declined because of the XXXX Credit report showing a Major Delinquency, the Medical Debt that is continuously ignored as medical debt in collections. The account, which should not be in my history has prevented me from attaining a financial product.
Consumer complaint received 2023-08-25
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. (TX)

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2024-06-17
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. (MO)

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.

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 informationisinaccurate.
Consumer complaint received 2024-06-17
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. (MO)

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.

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 informationisinaccurate.
Consumer complaint received 2023-12-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (HI)

I have recently become aware of his misuse of my personal information, which resulted in the unauthorized opening of these accounts. As evidence of this identity theft, I am enclosing a copy of my Federal Trade Commission ( FTC ) Identity Theft Report, filed under report numbers XXXX and XXXX. I am also providing supplementary documentation that demonstrates the fraudulent nature of these accounts. I understand the importance of accurate credit reports and appreciate your cooperation in resolving this matter. If you require additional information or documentation, please do not hesitate to contact me. The following accounts were falsely opened by my ex-husband : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2024-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AR)

On my credit report I have a alleged debit for national credit adjustors from check into cash loan by phone. And I have already requested that I be provided with original documents that would validate that the debit is mine. And if it was made over a phone call then there is no way possible to say I even made it that makes no sense and the name on the debit is not even the name I use that is connected to my social security number. I keep disputing this debit and experian is not removing it even though it has never been validated. I asked to see a signed contract that I made for this debit and I was never provided one. There is no way for them to even prove this debit is mine and worst thing is according to them it was originally made by phone. This has fraud written all over it and experian is not doing a fair investigation of this cause when I asked for it to be validated they had 30 days to do so which never happened which means this has to be removed and experian is now violating laws
Consumer complaint received 2023-12-18
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. (MS)

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" 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. '' XXXX, Transunion and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX