davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (MI)

I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access
Consumer complaint received 2024-04-27
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. (NY)

To Whom It May Concern : I recently received a copy of my credit report and I noticed you're furnishing an account on my consumer report that should not be on there. I demand the below account be deleted from my consumer report.

Account # - DEPT OF ED/XXXX  XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

I demand this account be deleted from my consumer report. 

Thank You XXXX XXXX
Consumer complaint received 2024-09-13
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. (CO)

I have three credit card I know nothing about I am in a XXXX  XXXX. I have asked many time for the approval from the XXXX XXXX Trustee that I an incure new debt. No letter has been provided. And a few more things are 2017 under the 7 year rule they should be removed. Please seen all documents. I attached to all three credit reporting agencies. I attached the suff that needs to be remover three credit cards XXXX XXXX .applied band .and credit first bank XXXX Should send me the approval for the XXXX  XXXX Trustee. And the two things under thev7 year rule are XXXXXXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with The Fair credit reporting act the list of accounts below has violated my federal protection consumers rights to privacy and confidentiality under 15 U.S.C 1681 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 furnish written instructions.

15 USC 1681 ( C ) ( a ) ( 5 ) section States no customer reporting agency may make any consumer reporting containing any of the following items of information any other advice item of information other than recording recordings of eviction convictions of crimes which the reporting by more than 7 years 15 U.S.C 1681 2 ( a ) ( 1 ) A person shall not furnish any information related to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is incorrect.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

I have three credit card I know nothing about I am in a XXXX  XXXX. I have asked many time for the approval from the XXXX  XXXX Trustee that I an incure new debt. No letter has been provided. And a few more things are 2017 under the 7 year rule they should be removed. Please seen all documents. I attached to all three credit reporting agencies. I attached the suff that needs to be remover three credit cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Should send me the approval for the XXXX  XXXX Trustee. And the two things under thev7 year rule are XXXXXXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (TX)

Credit Collection Services is listed on my credit report as a collection agency that is trying to collect an alleged debt on behalf of XXXX. I contacted the original creditor, and they could not validate this debt that is reporting on my credit report. Furthermore, there was no correspondence sent to me informing me that I owed a debt and that it was being sold to a 3rd party company, so this information reporting is not credible and goes against permissible purposes. I never signed an agreement with Credit Collection Services. This company failed to provide an agreement with their company showing my signature, the forward flow agreement, a copy of my identification to verify that it is indeed my debt, or lastly a license to collect the alleged debt. I am demanding that this account is removed due to it being unverified by the original creditor. You are also furnishing different dates for the date last active which is a FCRA and FDCPA violation. I have attached an invoice for the violation upon your company. Payment is to be remitted to the address on the invoice. Both payment and deletion are requested within 30 days, or I will have no choice but to seek legal action against your company.
Consumer complaint received 2024-07-03
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)

My account with XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-09-13
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. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Island Finance Puerto Rico (PR)

On XX/XX/XXXX, I received a summons for collection of money by the Island portfolio company XXXX XXXX XXXX , XXXX, This company showed me a copy of a contract for a personal loan from the year XXXX alleging a collection of money for the sum of {$3300.00} plus legal interest of 10 %. 

I informed this company that this debt does not belong to me. 
Because it was due to identity theft, I also informed the company that this debt does not appear on my three current credit reports. 

On XX/XX/XXXX I went to the court of XXXX, XXXX XXXX to answer the motion of the XXXX XXXX XXXX XXXX. In my motion I explained that this debt does not belong to me and that it was a concept of identity theft and at the same time I attached it the following documents : FTC Report XXXX XX/XX/XXXX for identity theft and proof that my credit reports do not show that account they are trying to charge me for. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX wrote me a letter, stating that if I alleged that I was a victim of identity theft, I should send him the following documents : Police complaint, photo identification ( license ), water or electricity bill and fill out the identity theft affidavit, to evaluate the allegation. 

I do not have to send any personal documentation to third parties since I have been a victim of identity theft and this lawyer is requesting personal information from me, I can send this information to the credit agencies. 

This collection agency and their lawyers are harassing people and trying to collect incorrect debts, I have already incurred {$500.00} dollars of expenses to resolve this situation. 

Please resolve this situation, the address and telephone numbers of this agency and lawyers are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Mail : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Atty. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX TEL:XXXX XXXX
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (DE)

According to consumer law 15 usc 1681b I did not give permission for these collections to report on my credit report I am a victim of identity theft and I want a cease and desist as well as any debt validation or any written and signed document that ties me to these erroneous accounts, if not I want these removed from my respected credit report as well as all inquiries I did not authorize
Consumer complaint received 2024-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NJ)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account which is making it impossible to obtain credit. I'm not sure when this account was charged off, because there are 3 different dates listed which is a violation of accurate reporting. And the account has repeatedly been updated as charged off every month and this is an update in the payment history. A charged off account should only include an active payment history and this inaccurate information falsely manipulates the statute of limitations. It is my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PR)

in accordance with the FCRA XXXX account account XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXXXXXX HAS VIOLATEDMY 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 Credit Inquiries Fraud XXXXXXXX XXXX XX/XX/XXXX no autorizada XXXXXXXX XXXX XXXXXX/XX/XXXX no autorizada XXXX XX/XX/XXXX no autorizada XXXX XXXXXX/XX/XXXX no autorizada XXXX XXXX XXXX XXXX XXXX XXXX no autorizada XXXXXXXX XXXX XXXX XXXX XXXX no autorizada 15USC 1681 Section 611DELATED
Consumer complaint received 2024-04-27
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. (MN)

Account Number XXXX. Date open XX/XX/year>. The credit bureaus keep breaking the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-11-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Continental Services Group, Inc. d/b/a ConServe (PR)

I obtained a loan from the Small Business Administration ( SBA ) on XX/XX/XXXX for the quantity of {$25000.00}. The monthly payment amount was {$93.00}. 

Covid hit and I was unable to make payments on the loan due to economic difficulties. On XXXX XXXX, I reinstated my loan payments. 

Nonetheless, the US Department of the Treasury, Bureau of the Fiscal Service referred my small business administration account to the collect company called Conserve for collections. 

Two weeks ago I contacted Conserve and informed them that I was going to make the payments, but I needed a payment plan. 

I must mention that since XX/XX/XXXX the US Department of the Treasury, Bureau of the Fiscal Service is debiting from my Social Security the amount of {$100.00}. 

Nonetheless, Conserve is continuing harassing me and telling me that they are going to be suing me for the amount owed, and they also increase the amount of the loan ( $ XXXX increase ). 

I need CFPB assistance in order to resolve this situation.
Consumer complaint received 2024-09-13
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2021-02-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Jon Barry and Associates, Inc. (VA)

I recently pulled my credit to see where I stood to purchase a home. After looking at my credit I saw these medical collections I reached out and asked the companies to send verification and validation of my dept on XX/XX/2020 they only played games threatening me and asking me to claim the debt. I asked to prove that the debt was mine and I was told that the police will come and get me and that I would be sued. 

I asked the company to stop calling me. I have no other choice but to see help
Consumer complaint received 2024-09-13
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: EQUIFAX, INC. (AZ)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. XXXX XXXX XXXX XXXX : {$3300.00}
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/year> I mailed over a dispute letter to Transunion disputng the completeness and accuracy for accounts on my credit report. I recently received mail sent back to me saying it was the wrong address but as you can see from the picture I am uploading it is the correct address for transunion they are just stalling and refusing to do their job. Im not sure why they think they do not have to do their job and continue to stall the way they do. I am demanding that Transunion do their job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letter along with my Drivers license and proof of address. I also included the certified mail tracking numbers a long with the envelope that does in fact have their correct address on it
Consumer complaint received 2024-04-27
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. (GA)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. I HAVE NO KNOWLEDGE OF THESE ACCOUNTS OPENING WHAT SO EVER. I HAVE NOT SENT ANY PERSONALS STATEMENTS INTO YOU GUYS STATING THAT I AGREED TO THE HAVING INFORMATION BLOCKED IN ERROR OR THAT I AGREED TO THIS ACCOUNTS BEING OPENED. THESE ACCOUNTS ARE FRAUDULENT.
Consumer complaint received 2023-05-01
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: Experian Information Solutions Inc. (IL)

Account : unknown XXXX XXXX XXXX XXXX is furnishing inaccurate and incorrect information to the Consumer Reporting Agencies. Furnishing this information has caused severe damage to my character, my reputation, my general way of living, and my abilty to obtain credit for personal and house hold purposes.15 U.S. Code 1681s2 Responsibilities of furnishers of information to consumer reporting agencies. By obtaining my consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ).
Consumer complaint received 2024-07-03
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. (LA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX : {$480.00} XXXX  XXXX XXXX XXXX : {$140.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX  Balance : {$1400.00} XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX Balance : {$480.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX