davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
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. (NY)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 t

han seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer rep
orting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-29
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. (DC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (PA)

I was a victim of identity theft with XXXX XXXX in XX/XX/XXXX. I contacted the XXXX XXXX fraud department immediately and notified them. In XX/XX/XXXX, I contacted XXXX.The charges were taken off my credit report. 
In XX/XX/XXXX, I received notices from Jefferson Capital Systems LLC, stating they overseeing the XXXX account and now there is a charge of {$4300.00} on my credit report. 
On XX/XX/XXXX, I wrote XXXX to dispute the claim. On XX/XX/XXXX, XXXX said that their investigation concluded that the charges were accurate. I take exception to that ruling.
Consumer complaint received 2024-02-22
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (ND)

This is in regards to a previously submitted complaint ( XXXX ). The debt collection agency has failed to provide me with the debt statement and results of my dispute after several attempts of requesting the information via telephonic communication. In addition, The debt collection agency removed the debt and renewed it without providing me with any details.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2024-04-23
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. (NJ)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : they are all in my attached files
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

As per FCRA 605B, it's mandatory to remove any inaccurate accounts from my credit report. Could you please verify the documents? Some of the listed accounts are incorrect in terms of reporting. I'm entitled to receive {$1000.00} for each inaccurately reported item on my credit file.
Consumer complaint received 2023-06-08
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)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$3700.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-10
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: TRUIST FINANCIAL CORPORATION (NY)

Hello Good day, I am writing to dispute the following items on my credit report. I have circled the items in dispute To remove all XXXX XXXX INQUIRIES Off my credit report because it was done fraudulently & this in accurate information on my report thats affecting my score.
Consumer complaint received 2024-04-23
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-04-23
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: Experian Information Solutions Inc. (GA)

The unverified items 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 items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2023-04-23
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I went on a trip to XXXX XXXX last year on XX/XX/2022. I used my XXXX XXXX  card to pay for the in-flight wifi for myself and my wife. However, I was charged 6 times for the same on board wifi.
Consumer complaint received 2024-04-23
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: Experian Information Solutions Inc. (IN)

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Consumer complaint received 2024-08-28
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)

I have repeatedly attempted to resolve the fraudulent, inaccurate, and misleading information on my consumer report, yet the problem persists. These erroneous entries have had a severe impact on my life, resulting in considerable stress and anxiety. I must emphasize that, as a victim of identity theft, I never authorized or consented to have this information associated with my name.
Consumer complaint received 2015-12-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

After filing multiple complaints with the CFPB, Nationstar Mortgage continues to fail to follow the law. XX/XX/XXXX marks the tenth month that Nationstar has not provided us with a monthly mortgage statement since they assumed servicing of our home loan in XX/XX/XXXX. We are not in bankruptcy, the only exemption that would permit Nationstar to not send a statement. 12 CFR 1026.41 ( e ) is clear that there is no exemption under which Nationstar is not obligated to provide us with a monthly mortgage statement. Additionally, Nationstar still has not provided us with the disclosures required by 12 C.F.R. 1026.20 ( d ) concerning the change in interest rate on the note. Despite multiple complaints and communications with Nationstar they still refuse to make the required disclosures or to provide monthly mortgage statements.
Consumer complaint received 2023-04-18
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: CITIBANK, N.A. (TX)

The inaccurate unverified alleged negative report from XXXX is in violation of 15 USC 1681i ( 5 ), I am very concerned at the discrepancies on my credit report I am a protected consumer that only wants true and accurate reporting, a statement of an alleged debt is NOT debt validation.
Consumer complaint received 2024-04-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC. (WA)

XXXX, XXXXXXXX XXXX XXXX XXXX have threatened and opened lawsuits for a persons debt that does not belong to us, and continues to send us mail. On XX/XX/2024 we rejected a summons which we can only assume is a lawsuit. The debt for XXXX XXXX XXXX is not ours, not tied to either my social nor my husbands. Weve informed them and their debt collection agency, Midland Credit Management, of this over certified mail multiple times. In the most recent complaint response, the firm did not indicate that the matter was dismissed nor that collection activities would stop as demanded in our cease and desist to Midland Credit Management.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
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. (IL)

I consistently make on-time payments. I am confident about this. What I am unsure about is why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing errors should be corrected ; otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-08-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (HI)

Set up autopayments with my new bank account in XXXX of this year, only for XXXX and XXXX payment cycles to not be processed and thus marked as delinquent pr past due. My bank account on file had more than enough funds to complete both payments meanwhile Midland Credit Management did not make any attempts to collect either payment as refelected by my bank statements. I would expect at least an attempt to process the autopayments and if declined I would understand, but as stated the bank account on file had the adequate funds and yet was never charged. 

Upon speaking with " XXXX XXXX '' I was made aware that this was due to an accounting error on their end where my bank account was allegedly " not found. '' Later was connected to his manager who chalked it up to a " technical issue on our end. '' I did add a new debit card to bring the account current but now have no piece of mind or reassurance if this same issue will not happen again. Both the phone agent and manager verbally stated that the collection history from Midland Credit Management would be removed from my credit history after it is satisfied, however when asked to provide a XXXX XXXX both thr agent and manager claimed no such document could be provided. Basically Im supposed to have XXXX faith in them when Midland Credit Management can not even process my auto payments.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX : {$1600.00} XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXXXXXX XXXX XXXX XXXX  Balance XXXX {$0.00}
Consumer complaint received 2024-04-23
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. (NY)

I recently reviewed again my credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

According to FCRA 605B, it's necessary to eliminate any inaccurate accounts from my credit report. Could you please review the documents? Some of the listed accounts are incorrect in terms of reporting. Compensation of {$1000.00} is due for each inaccurate entry on my credit file.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
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. (IL)

I always pay on time. I am sure of this. what I am not sure is why this company is reporting me late on certain months which should not occur. Based on USC 1666b any billing error should be corrected otherwise they will be paying me {$1000.00} for each accounts reporting inaccurately.
Consumer complaint received 2024-04-23
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: Experian Information Solutions Inc. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
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: Experian Information Solutions Inc. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
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. (CA)

I am reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding the following accounts. I have contacted all the companies directly and followed the necessary steps to address this issue. I filed an identity theft report with the FTC and have informed all the companies involved. Now, I am disputing the information that should not even be appearing on my file. Please assist me in resolving this matter promptly. 

I request that you promptly eliminate these accounts from my credit report, aligning with the actions taken by other credit bureaus. Failure to do so will leave me with no choice but to pursue legal action. 
XXXX XXXX XXXX and XXXX XXXX Bankruptcy-discharged Reference # : XXXX.
Consumer complaint received 2024-08-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (KS)

We conditionally accept and acknowledge your letter, from Credence. We are willing to settle any debts provided there is proof of a valid contract with wet ink signatures, a True Bill, and written consent from us authorizing the use of our personal information. We contend that no such evidence exists or can be presented. XXXX XXXX XXXX XXXX lacks written permission to disclose any of our private information and has not informed us in writing of their intention to do so ; otherwise, they would have produced any such evidence by now. 
Furthermore, XXXXXXXX XXXX XXXX XXXX non-response to our Certified Mailings, as recognized by the true court of the XXXX, implies they have no contractual agreement with us, which they have effectively conceded with their acquiescence. 

1. CREDENCE by having and using our private information has committed Identity Theft under Kansas code 21-6107. ( a {$1000.00} fine per use, for a {$4000.00} total ).

2. CREDENCE by producing a Notice of a payment, has violated The False Claims Act 31 sec 3729.

3729. False claims ( a ) Liability for Certain Acts.

( 1 ) In general - Subject to paragraph ( 2 ), any person who- ( A ) knowingly presents, or causes to be presented, a false or fraudulent claim for payment or approval ; ( B ) knowingly makes, uses, or causes to be made or used, a false record or statement material to a false or fraudulent claim. 

CREDENCE has 10 days to produce evidence of a TRUE BILL, valid contract with wet signatures of both parties and a letter with our written consent to possess any of our private information. 
If no evidence is brought forth within 10 Days, CREDENCE will pay a fine of {$4000.00} and we will call/use as a witness the CFPB and the CFPB will testify to your False Claims Act violation ( s ) USC 31 sec 3729, and the Identity theft per Kansas code 21-6107 by CREDENCE.

A common law commercial lien is a mechanism available to any individual seeking legal redress from the actions of another person or persons who have caused, attempted to cause, or conspired to cause harm. Such acts are termed " torts '' and fall under tort law, encompassing offenses like harassment, which includes threats and is seen as psychological harm, and defamation of character, which damages one 's reputation. The principle is straightforward : all being equal before the law, every individual owes a duty of care to one another, ensuring that our actions towards each other are backed by common law, allowing us to coexist peacefully. Neglecting this duty of care is a criminal offense and constitutes a tort against us and.

Therefore, it is advised that you heed this notice and present ACTUAL evidence within 10 days. Should no evidence be found, as we suspect, the CFPB will be obliged to acknowledge this fact and fulfill its intended purpose.

In the future, you may find yourself dealing with the commercial lien process more often as it becomes more widely recognized and utilized. 
Thank you for your time,