davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (PA)

I am writing to bring to your attention a matter of grave concern involving a potential violation of federal privacy laws by your organization. Specifically, it has come to my attention that LexisNexis may have infringed upon my rights as a consumer under 15 USC 1681 ( a ) ( 4 ) and 15 USC 1681b ( a ) ( 2 ) in connection with bankruptcy reference # XXXX. 

Under 15 USC 1681 ( a ) ( 4 ), consumers are afforded the right to privacy, safeguarding their personal information from unauthorized access or use. Additionally, 15 USC 1681b ( a ) ( 2 ) prohibits the acquisition and dissemination of consumer information without a permissible purpose or written instruction. 

Unfortunately, it appears that LexisNexis may have violated both of these statutes in relation to the aforementioned bankruptcy reference # XXXX. My concern stems from the unauthorized acquisition and use of my personal information without a valid permissible purpose or my explicit written authorization. Such actions not only undermine the trust that consumers place in your organization but also raise significant questions regarding the legality and ethics of your data handling practices. 

I contacted Lexis Nexis and they responded verifying the information on my credit report stating the information was valid. LexisNexis did not retrieve this information from the original creditor as they have stated in the attached letter that they do not report to credit reporting agencies. 

As a consumer, I have the right to expect that my personal information will be treated with the utmost care and respect, in strict compliance with federal privacy laws. 

However, the apparent disregard for these legal obligations by LexisNexis is deeply troubling and unacceptable. 
In light of these serious concerns, I demand immediate action to rectify this situation. Specifically, I request that LexisNexis cease all unauthorized use and dissemination of my personal information in connection with bankruptcy reference # XXXX. Furthermore, I urge your organization to conduct a thorough investigation into this matter, including a review of your internal procedures for ensuring compliance with federal privacy laws. 
Additionally, I expect to be provided with a full account of how my personal information was obtained and used in relation to this bankruptcy reference. Transparency and accountability are paramount in addressing such violations, and I trust that LexisNexis will demonstrate a genuine commitment to upholding consumer privacy rights. 
Failure to address these concerns in a timely and satisfactory manner will leave me with no choice but to explore all available legal avenues to protect my rights and seek redress for any damages incurred. 
Thank you for your attention to this matter. I await your prompt response and actions to ensure that my privacy rights are fully respected and upheld.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (CA)

I obtained a copy of my consumer report and identified an item that I wish to dispute. I have experienced emotional distress as a consequence of this issue, and I have recently experienced XXXX  XXXX. As a result, I am demanding that this matter be resolved in a fair and equitable fashion, which has not yet occurred. I clearly never gave this agency written authorization or written instructions to report this information, This agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court.
Consumer complaint received 2023-12-21
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I was a tenant living at XXXX XXXX XXXXXXXX which was a move in horror, but I was not so interested with the aesthetics and I remained in the unit they put me in. This had led me with regret because when I moved in, I put in several maintenance request for various unlivable conditions from the A/C unit not working in the winter and rattling, bathroom sink not functioning and etc. Nonetheless, I stayed in the unit and even renewed the lease with them. 

I always paid my rent on time and before the due date. 

When I moved out, I dropped of my keys and moved in with a family member for another 9 months in the same community, in which I provided XXXX XXXX XXXXXXXX XXXX a " forwarding address '' which is required when you drop off keys. 

Then I check my credit report and see " XXXX XXXX '' attempting to collect a debt with no information. when I called XXXX XXXX  XXXX XXXX XXXX brushed me off and said they no longer have any information, after I persisted to speak to management, I was advised they will call me back with more information, to which I saw to be a tactic to get me off the phone. 

Now after 2 years of working diligently to fix my credit report to buy a house, I now have this negligent reporting that is inaccurate. 

ALLEGED Balance {$330.00} Balance updated XX/XX/XXXX Account number ; XXXX Date opened ; XX/XX/XXXX Account type ; Collection Status ; Collection account. 
XXXX updated ; XX/XX/XXXX XXXX
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (MD)

I am writing to file a formal complaint regarding a collection account labeled XXXX XXXX XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2023-12-21
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. (TN)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023.
Consumer complaint received 2024-07-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (WI)

XX/XX/XXXX statement for my XXXX XXXX had 4 fraudulent purchases on it for a total of {$210.00} from XX/XX/XXXX and XXXX XXXX. I immediately called XXXX  to inform them these were not charges I made and were fraudulent. XXXX cancelled the card and issued a new one. Assumed matter was taken care of as I did not receive a bill for billing cycle XXXX XXXX XXXX XXXX XXXXXXXX. I then received a bill for billing cycle XXXX XXXX XXXX XXXX with the new card number and the same fraudulent charges. I called every time they sent me a statement. I wrote a letter to Synchrony bank in XX/XX/XXXX to no avail. They kept sending me emails, text messages and phone calls daily harassing me for payment. I called and told the XXXX I retained legal counsel in XXXX and to not contact me about this matter and refer to my attorney.She sent a letter XX/XX/XXXX with no response from Synchrony bank.She resent a letter on XXXX XXXX
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( XXXX ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( XXXX ) after the date of a notification under paragraph ( XXXX ). 
( XXXX ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AFFIRM INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX
Consumer complaint received 2024-01-03
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (GA)

XXXX informed me that my information such as drivers number, address, email password and social security number was on the dark web. I checked my credit report and seen {$610.00} bill from XXXX and I've never used the service in my life. Im not sure who or how they got my identification but it was done in a fraudulent manner and this is affecting my life and my ability to get a apartment.
Consumer complaint received 2024-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (NJ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-05-23
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (MA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/year> JEFFERSON CAPITAL SYSTEMS XXXX XXXX XXXX XXXX XXXX, MN XXXX Dear Sir/Madam, I am writing to dispute owing any and all debts to JEFFERSON CAPITAL SYSTEMS XXXX I am requesting debt validation. I am requesting the purchase agreement between JEFFERSON CAPITAL SYSTEMS and the original creditor XXXX. I am requesting proof that JEFFERSON CAPITAL SYSTEMS Is licensed and bonded. 

I dispute this debt for the following reasons : 1. Collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet you placed a collection on my consumer report. 
2. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 3. Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means.

4. Collection agency has no authority to furnish any account to a consumer reporting agencies without any and all disclosures required by law and you are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) I am revoking all rights of JEFFERSON CAPITAL SYSTEMS communicating with me through email/text/calls. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

To Whom this May concern, Recently, I conducted an investigation on my credit report, which unfortunately caused XXXX XXXXXXXX due to the findings. I discovered an item that were unverifiable, invalidated, inaccurate, and questionable, indicating that your agency did not ensure the 100 % accuracy of the information it reported. As you are aware, the Fair Credit Reporting Act mandates that all information on a credit report must be 100 % accurate. However, the account in question are in clear violation of this requirement, as outlined in 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). It is essential that these inaccuracies are rectified promptly to ensure the integrity and fairness of my credit report. Furthermore, I request that Capital One Auto Finance refrain from reporting this debt to any credit reporting agency. Please consider this letter as a formal notice to cease all communications and collection activities related to this debt.

Please confirm in writing that you have received this request and have complied with the law by ceasing all communication and reporting activities regarding this debt. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-21
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. (AZ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX 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 Balance : {$2100.00} XXXX XXXX XXXX Balance : {$4200.00}
Consumer complaint received 2019-11-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I overpaid my credit card bill back in XXXX and they owe me about {$5200.00}. I called the bank and they even confirmed that they owe me the money, but told me it's the credit card company that has to fix it. So called them and they told me the bank is supposed to be the ones to give me my money. I even heard it'll fix itself in a month, this has been going on for 3 months now and I don't have it. No letter in the mail or anything.
Consumer complaint received 2024-05-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Servicing Solutions, LLC (LA)

My vehicle was refinanced with Servicing Solutions and XXXX weeks before my payment was due, I received an email from them saying that my loan was transferred to a company named XXXX XXXX. I have never heard of that company. I google them and saw so many negative reviews. I don't want to do business with them. I have not signed anything agreeing to do business with them.
Consumer complaint received 2023-12-21
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-21
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. (FL)

I have been disputing these accounts for months now and the accounts are still reporting. I have not received any information verifying the accuracy of these accounts. I also have an address that is listed on my credit report where I never lived. The credit bureau is saying the information was verified but I can't understand how this information is being verified when its not accurate.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to address discrepancies I have uncovered in my personal credit report that are significantly impacting my financial standing, particularly concerning my ability to secure housing. While I acknowledge the potential for errors, I have familiarized myself with the dispute process and understand the mandated investigation time-frame of XXXX days. Despite submitting my FTC report, which identified an error, and the removal of this account by other bureaus, your bureau continues to report them. This leaves me perplexed as to how this account was verified by your bureau when others have successfully removed it. Therefore, I request the immediate removal of this account from my file, as they are inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-12-21
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. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I DID NOT AUTORIZED NOR CONSENT TO ANY OF THE FOLLOWING ACCOUNTS OR INQUIRIES BEING ON MY CREDIT REPORT. I AM AWARE OF MY CONSUMER LAWS AS YOU ARE ABLE TO SEE BASED ON THE DOCUMENTS ATTACHED. I DEMAND THAT ALL ACCOUNTS THAT ARE NEGATIVELY AFFECTING MY CREDIT RATING AND VIOLATING MY CONSUMER RIGHTS BE REMOVED OR BLOCKED FROM MY CREDIT REPORT. 
I WILL PURSUE DAMAGES FOR EACH ACCOUNT THAT IS IN VIOLATION IF NOT UPDATED.
Consumer complaint received 2018-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The information on my XXXX credit report is mixed with someone else. There is fraudulent information included in my account, accounts that I have never opened, companies that I have never done business with, and apartments in other states that I have never lived in. I'm unable to log in to XXXX since the challenge information does not match any of my previous events.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I HAVE NOT HAD ACCESS TO MY ONLINE TRANSUNION CONSUMER DISPUTE ACCOUNT SINCE XX/XX/2023. I HAVE BEEN CALLING TO NO AVAIL. TRANSUNION VIOLATED CONSUMER LAW BY REINSERTING XXXX XXXX XXXX WITHOUT NOTIFYING ME. I ONLY SAW IT ON MY XXXX  XXXX APP CALLED XXXX XXXX. THIS IS FRAUDULENT INFORMATION.
Consumer complaint received 2024-04-29
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. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX XXXX