davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-07
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 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 accounts ( A ). It is not permitted to report these accounts 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 correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (CA)

My XXXX account was closed 8 years ago with device turned in and final balance paid. I started a new family account with my girlfriend the same day. Out of nowhere this false debt was created on my credit. Now 7 years later its sold to a new collector after it was removed once before.
Consumer complaint received 2023-12-07
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. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-09
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. (NY)

the 3 credit reporting agencies must delete at once XXXX XXXX and XXXX XXXX XXXX XXXX for inaccurate credit reporting continuing to report accounts that they have discontinue to collection and has canceled with a 1099c the proof is in the 1099c box 6 Code G. Code GDecision or policy to discontinue collection. Code G is used to identify cancellation of debt as a result of a decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. For purposes of this identifiable event, a defined policy includes both a written policy and the creditor 's established business practice. to report a debt that has a balance and is in collections after they have canceled the debt is false reporting of an debt on they owed choice by filing the 1099c with a code G stops all collections and the stats that there is no more debt the proof is enclosed the 1099C box 6 is proof they canceled the debt and stop all collections
Consumer complaint received 2023-03-24
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. (OH)

Please remove the late payments from all credit reporting agencies and companies reporting them. 
I have contacted them with no resolve from them. 
In accordance with The Fair credit reporting act, these creditors/companies have violated my rights under 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 section 604a section 2 It also States a consumer reporting agency can not furnish account without my written instructions.

Under 15 Usc 1666b a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2023-12-07
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. (WA)

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

Here is the list of items that do not belong to me or were opened without my permission. 

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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have not authorized this hard inquiry on my credit report, this is a result of a crime, the hard inquiry on my credit report is XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-07
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. (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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C1681 section 604 A Section 2 : it also States a consumer reporting agency can not furnish an account without my written instruction.

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 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 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

i notice some inaccurate information on my credit report so on XXXX XXXX i sent some letters to all 3 CRA 's requesting the validity of the inaccurate and incomplete information reporting on my credit report, per 15 usc 1681i. I haven't heard anything thus far and this is XXXX XXXX
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

This complaint submission is in regards to a false credit report by PORTFOLIO RECOVERY ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ). I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a representative who was both uncooperative and uninformative. The representative was extremely aggressive and hung up the phone when requesting information regarding the account. I then made another attempt and I was finally provided with the mailing address so I could forward them a Debt Of Validation letter. This Debt Of Validation letter that was mailed on XX/XX/2024, was confirmed through CERTIFIED MAIL that the Supervisor had received the files by signature confirmation. At this point it is now XX/XX/2024, and after 30 days of notifying them, neither my Attorney nor I have received any response, or correspondents. I specifically asked for proof of the alleged debt and anything in signature or JUDGEMENT BY LAW stating I was obligated to pay them or falsely report a debt to the three major Credit Bureaus. They failed to return the requested information on the Debt of Validation Letter. I have never made any agreement with them nor the original creditor to pay anything, nor was I properly notified of this false reported debt. I am requesting PORTFOLIO RECOVERY ( XXXX XXXX XXXX XXXX XXXX XXXX  ) to immediately remove me from their systems and update all 3 major Credit Bureaus specifically XXXX XXXX, XXXX, XXXX XXXX ) on this action. They have failed to follow the guidelines which were all provided to them in the Debt Of Validation letter that supports the Fair Debt Collections Practice Act. In result, PORTFOLIO RECOVERY ( XXXX XXXX XXXX XXXX, XXXX XXXX ) is violating my rights and are also causing financial hardship with this debt being reported. This false report by PORTFOLIO RECOVERY has prevented me from gaining access to any lenders due to Derogatory Marks on file. At this point they have failed to provide any competent evidence or any legal obligation and PORTFOLIO RECOVERY ( XXXX XXXX XXXX XXXX XXXX XXXX ) is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g . If this report is not updated immediately to the 3 major Credit Bureaus, I will be taking legal actions and will immediately file a Civil Suit to obtain all statutory and punitive damages available under law for their illegal activity.
Consumer complaint received 2023-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

i got an email from Transworld systems inc about some kind of debt owed to XXXX XXXX XXXX i do not owe any company any money. 

i request Transworld systems inc to desist and Defrain and not call me or try to collect on debt that does not belong to me.. i need them to double check my ss number and date of birth i do not owe this debt.
Consumer complaint received 2024-06-02
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: EQUIFAX, INC. (SC)

There is a need to insure that consumer reporting agencies exercise responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Remove all these hard inquires as I did not authorize them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had an account with Bank of America for three years now they were supposed to protect my money but yet let people charge things to my account and when I called the bank to tell them that was not my charge, they credit it to my account, but then they put it back on my account and said it was not eligible for a refund it is not my charge. I did not order anything so they should not put it on my account and give me back my money.
Consumer complaint received 2024-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MA)

This complaint submission is in regards to a false credit report by JEFFERSON CAPITAL ( XXXX XXXX XXXX XXXX XXXX, NC XXXX ). I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a representative who was both uncooperative and uninformative. The representative was extremely aggressive and hung up the phone when requesting information regarding the account. I then made another attempt and I was finally provided with the mailing address so I could forward them a Debt Of Validation letter. This Debt Of Validation letter that was mailed on XX/XX/2024, was confirmed through CERTIFIED MAIL that the Supervisor had received the files by signature confirmation. At this point it is now XX/XX/2024, and after 30 days of notifying them, neither my Attorney nor I have received any response, or correspondents. I specifically asked for proof of the alleged debt and anything in signature or JUDGEMENT BY LAW stating I was obligated to pay them or falsely report a debt to the XXXX major Credit Bureaus. They failed to return the requested information on the Debt of Validation Letter. I have never made any agreement with them nor the original creditor to pay anything, nor was I properly notified of this false reported debt. I am requesting JEFFERSON CAPITAL ( XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX ) to immediately remove me from their systems and update all XXXX major Credit Bureaus specifically ( XXXX, XXXX, & XXXX ) on this action. They have failed to follow the guidelines which were all provided to them in the Debt Of Validation letter that supports the Fair Debt Collections Practice Act. In result, JEFFERSON CAPITAL ( XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ) is violating my rights and are also causing financial hardship with this debt being reported. This false report by JEFFERSON CAPITAL has prevented me from gaining access to any lenders due to XXXX XXXX on file. At this point they have failed to provide any competent evidence or any legal obligation and JEFFERSON CAPITAL ( XXXX XXXX XXXX XXXX XXXX, NC XXXX ) is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. If this report is not updated immediately to the XXXX major Credit Bureaus, I will be taking legal actions and will immediately file a Civil Suit to obtain all statutory and punitive damages available under law for their illegal activity.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (NC)

Santander Consumer USA has infringed upon my rights and privacy protections as outlined in the following laws : * The Fair Credit Reporting Act ( FCRA ), Section 605B, prohibits reporting information without my consent. 
* 15 US Code 1650 defines the term " finance charge. '' * Regulation Z of the Truth in Lending Act governs certain aspects of lending practices.

* 15 US Code 1662 mandates disclosure of down payments and installment details.

* 15 US Code 1635 outlines the right of rescission.
Consumer complaint received 2023-04-27
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: Experian Information Solutions Inc. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3100.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$5400.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$23000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$3100.00} XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX : {$4100.00} XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX  XXXX Balance : {$6900.00} XXXX XXXX  XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00}
Consumer complaint received 2023-12-07
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. (IL)

My son has a private XXXX loan through XXXXXXXX XXXX Payments start in XXXX. The loan is serviced by XXXX XXXX XXXX XXXX XXXX ). We moved from XXXX XXXX XXXX in XX/XX/XXXX and in XX/XX/XXXX changed our address via the post office mail forwarding systems and all online accounts to reflect this move with our new permanent address. In late XX/XX/XXXX, I was alerted by XXXX XXXX XXXX that my credit score had dropped from approximately XXXX to XXXX. This was shocking to me as we have top tier credit, pay bills on time, and have low debt. The reason was that XXXX sent us an interest statement that got returned in error by the post office back to XXXX. Previously, we had been receiving mail from XXXX to the XXXX  address without issue. Rather than contact my son or myself ( his father, the co-signer ) to verify our address, they report this to Experian in a monthly statement that we can not be located. XXXX does not reach out to our contact emails or contact phone numbers that they have on file to ask about this. Therefore, Experian decided to drop my credit score by over XXXX points which is absolutely unfair and egregious. I have disputed this with Experian with no result. The responses I get from Experian are that they have not received any updates from XXXX to make a correction, so it has not been changed or corrected or deleted from my credit report. Experian does not say how they contact XXXX, whom they speak with, or how this is going to get fixed. XXXX updates their notes once at the end of each month. XXXX tells me that they have corrected our issue in the XX/XX/XXXX note to Experian, but as of XXXX, nothing has changed and my credit score is now at XXXX which is putting a chilling effect on my finances and will cost me money if this is not resolved immediately. I dont know which company is more at fault for this : XXXX XXXX Experian. On one hand, XXXX should not have reported this to Experian, all they needed to do was verify our address by contacting us via phone or email, which they did not do. On the other hand, it is absolutely insane that Experian can just decide to drop a persons credit score by XXXX points because one piece of mail was returned to the loan servicer by mistake.
Consumer complaint received 2024-05-16
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TD BANK US HOLDING COMPANY (GA)

I am writing to report the theft of my property ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ). My property was taken on XX/XX/XXXX about XXXX while I was located at XXXX XXXX XXXX XXXX XXXX Georgia XXXX 

I have notified the authorities and will be filing a police report in the morning as XXXX XXXX who came out stated he could not file a report due to poor communication with dispatch. 

I am enclosing a copy of the Paid in Full Letter I received from TD Banks in regards to this property to show that it is indeed paid for. Also enclosed is the filed copy of my acceptance of such receipt. TD Bank received both of these copies in XXXX in which I asked for my title and they have continue to ignore and refused to send.
Consumer complaint received 2023-12-07
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 2023-12-07
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. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX, XXXX XXXX Balance : {$2900.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.