davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (CA)

The debt company, LVNV FUNDING LLC ( owned by Resurgent Capital Services ), has purchased debt that they are claiming to be mine. 

This company must be under the impression that they are reporting accurate information under my name to the credit reporting bureaus. None of ther accounts that they are reporting to the bureaus are verified or true. 

The debt they claim is mine has not been fully verified or validated. I have requested proof of verification and validation of this debt and never received proof of a WET SIGNATURE of mine on a contract between the origin creditor and I to prove that I am liable for this debt as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). 

The accounts that are being reported under my name are inaccurate, unverifiable, unvalidated, and it is unlawful for LVNV Funding LLC to report them. 

These accounts listed below must be DELETED from my credit reports as LVNV Funding LLC is in violation of the FDCPA and the FCRA : LVNV FUNDING LLC XXXX {$700.00} XX/XX/ Unverified Account LVNV FUNDING LLC XXXX {$33000.00} XX/XX/ Unverified Account LVNV FUNDING LLC XXXX {$14000.00} XX/XX/ Unverified Account
Consumer complaint received 2023-12-20
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Texas XXXX Hello, I trust this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding my consumer file. Pursuant to 15 U.S. Code 1681c-2, a consumer agency is required to block the reporting of any information identified by the consumer as resulting from alleged identity theft within four business days of receipt. Regrettably, it has been over 30 days since I reported this issue to you, and I am concerned that your agency is in violation of this law. 
I have been a victim of identity theft, and I am requesting the immediate removal of the following items from my consumer report : Please see attached Identity theft Report. 
These accounts should not be furnished on my consumer report, as their presence is in violation of 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ), any consumer reporting agency may furnish a consumer report under the consumer to whom it relates. I want to emphasize that I never provided written consent to any consumer reporting agency to report information on my consumer report, which constitutes a violation of my rights as a federally protected consumer. No consent is identity theft. 
As a consumer, I am demanding the immediate deletion of the accounts listed in my attached Identity Theft Report. I expect your agency to take prompt action to rectify this situation in accordance with the law. I have attached documentation supporting my claim for your reference. 
Thank you for your understanding and cooperation in this matter. I look forward to a timely resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I originally submitted the below complaint on XX/XX/XXXX regarding the Bank of America. The CFPB responded last week and said the Bank of America would be in direct contact to me but I have not heard anything over a week later- I have been told this is quite odd. Please ask the Bank of America to forward me their response and please send me the response that the Bank of America said it was going to forward to you the XXXX. 

Thank you, XXXX XXXX " Dear XXXX, We want to know how the Bank of America allowed the Bank of XXXX XXXX to transact XXXX XXXX XXXX, XXXX XXXX Michigan in XX/XX/XXXX given that the Bank of America had first lien position on the property. According to the XXXX XXXX XXXX XXXX XXXX, the Bank of XXXX XXXX still has not released its lien position which contradicts the title work that I and my wife , XXXX XXXX XXXX were given at closing on XX/XX/XXXX. We had tried to address this issue with both banks but nobody has replied and details are outlined in the attached letter. Thank you, XXXX XXXX, XXXX XXXX ''
Consumer complaint received 2023-05-11
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. (CA)

Consider this complaint as my follow-up against the disputed items in my last complaint dated XXXX. The items are fraudulent and need to be deleted from my file Please delete the following items : 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 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 2023-12-20
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. (NC)

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.

has violated my rights. Or a list of inquiries : 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 2024-03-28
Product: Credit reporting 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: Experian Information Solutions Inc. (PA)

On XX/XX/XXXX, XXXX did attempt to have adverse information removed from his consumer profile. The XXXX contends that there is no online dispute vehicle to process complaints via the company 's advertised dispute center. The survivor asserts that the respondents have made the process of removing and reporting adverse information very difficult and arduous task. XXXX noted that the respondents have previously removed the requested information. Through restructuring and reorganizing, the respondents have refused to comply with the bureau. 
XXXX contends and hereby states and declares that the foregoing excerpt is repugnant to the Constitution of Pennsylvania and of the United States of America and is thus Ultra Vires. The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. ( June 25, 1948, ch. 645, 62 Stat. 685. ) - [ ] Legal tender isa form of money that courts of law are required to recognize as satisfactory payment for any monetary debt. Each jurisdiction determines what is legal tender, but essentially it is anything which when offered ( " tendered '' ) in payment of a debt extinguishes the debt. 
- [ ] 31 U.S. Code 5103- Legal tender United States coins and currency ( including Federal reserve notes and circulating notes of Federal reserve banks and national banks ) are legal tender for all debts, public charges, taxes, and dues. Foreign gold or silver coins are not legal tender for debts.

- [ ] ( 1 ) 18 U.S. Code 514 - Fictitious obligations- [ ] ( a ) Whoever, with the intent to defraud draws, prints, processes, produces, publishes, or otherwise makes, or attempts or causes the same, within the United States ;
Consumer complaint received 2022-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

n accordance with the Fair Credit Reporting act 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
Consumer complaint received 2023-12-20
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. (NC)

I acknowledge that, despite the specific details provided by customers, you have been employing pre-written standard form letters in responding to numerous disputes, complaints, and challenges. I am well aware that this practice is unlawful, as each customer complaint should be individually assessed and addressed on its own merits. 

My letters have been created using readily available software accessible to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that third-party assistance may be available, and this does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my full knowledge and consent. I understand that you can postpone responding to consumer letters without requiring a Power of Attorney. I will interpret your failure to respond to my correspondence promptly as a deliberate disregard for my customer rights, and I will be compelled to involve my lawyer and take legal action in such a scenario. 

As per FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the accepted Metro 2 data field reporting standard, I have the right to dispute any information on my credit report that I believe is incorrect. It is crucial that all data in a consumer 's file is properly documented and validated before being made available for use by creditors. Consequently, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, and I am unwilling to tolerate any misinformation associated with my name and financial history. I am determined to fight back vigorously. 

The accuracy of your credit report is paramount, and the listed allegations do not meet federal or state reporting requirements and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would instill greater confidence in the accuracy of the presented information. It is your responsibility to maintain and report data with complete accuracy and compliance. Reporting claims that do not meet regulatory requirements is unacceptable. Ensuring accurate and properly formatted reporting, as mandated by the Fair Credit Reporting Act ( FCRA ) and standards like METRO 2, is crucial. I kindly request that you handle this matter with the utmost care and diligence.
Consumer complaint received 2018-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (KY)

Chase Bank arbitrarily closed three credit card accounts that were being serviced on a timely and often, early payment, basis. I received three letters stating the accounts in question were possibly affected by numerous inquiries? - balances high compared to credit limits? - closed at banks request.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX # XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account # XXXX " XXXX XXXX account was opened under a different social security. '' XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2023-12-20
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. (GA)

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. 

has violated my rights. Or a list of inquiries : 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 2023-06-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc. (FL)

I have not received any notifications about payment owed after a payment was made in XX/XX/. Not a single attempt to collect was sent my way from XXXX XXXX - phone or mail - so 2 years later getting a notice from a debt collector comes as a complete shock and unwelcome surprise.
Consumer complaint received 2023-12-20
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. (NC)

XXXX XXXX XXXX XXXX, Account # XXXX Charge off is considered a certificate of indebtedness, and is filed on 1099C form with IRS, there for is considered income. Income does not report on credit report, and it must be removed.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-20
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. (MD)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-20
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)

When logging into my app which is XXXX XXXX with XXXX XXXX, it asked me to pay a minimum balance of {$170.00}. Upon paying that amount what was due it than said I owed {$26.00} and marked my account as late and delinquent. I have never missed a payment as being an business owner in this matter, Also this account is a business account which shouldn't be reporting on to my personal credit at all. I've have reached out to the company they told me that they were disputing this situation due to their mistake of an technical issue from their company 's app, but instead of removing the entire account from my personal credit report they only updated the remarks on this situation which is still inaccurate information. This issue has left me homeless I was in the middle of closing on a purchase for my home for me and my family, and was unable to do so due to the derogatory which dropped my XXXX XXXX over XXXX points on all XXXX credit reports. I lost out on my escrow money because of this derogatory item on my credit report as well which again took away from me and my family. This is against my civil rights they failed to comply according to 15 USC 623 a code, I can not apply for anything nor am I able to provide for my family in this matter due to them not removing this account from my credit report for their mistake. I have proof of screenshots from the inaccurate reporting as well as they have numerous of recorded calls of me trying to resolve this issue. The screenshot will show as well the different errors in what's due each month as well as them only updating the remark and not complying to them telling me they will put in the dispute to have this account removed from my credit report.
Consumer complaint received 2024-04-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.
Consumer complaint received 2024-03-28
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. (TX)

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 15USC 1681. 

Account names : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. These accounts above have violated my rights. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1681C. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report conmtaining 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. 

5 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. 

These inaccuracies are preventing me to qualify for an auto loan to purchase a vehicle to commute to and from work which therefore has restricted the job opportunities that i can qualify for. This has in result hindered my ability to provide for my family.