davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Source Receivables Management LLC (TN)

Pursuant to CFPB complaint XXXX I requested for a debt collection company to cease and desist. I refused to pay the alleged debt they claim I owe. A debt validation letter given to them, and they failed to validate the alleged debt with actual proof that I, XXXX XXXX, owe the alleged debt. The debt collection company SOURCE RECEIVABLES failed to acknowledge my request for them to cease desist all communication and collection activity. The debt collection company is in direct violation of the Fair Debt Collection Practices Act pursuant 15 USC 1692c ( c ) ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
The debt collection agency also failed to notify the consumer reporting agencies that the tradeline in question has been disputed. This is a direct violation of 15 USC 1692g ( b ). SOURCE RECEIVABLES is in direct violation of 15 USC 1681s-2 for actual knowledge of errors and 15 USC 1692e ( 10 ) as this behavior is deceptive way to collect.
Consumer complaint received 2023-11-30
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. (FL)

I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any accounts not later than 4 business days after the receipt. Also, the information provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-09
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$3900.00}
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX is inaccurately reporting on my credit Only reporting on Transunion and XXXX but not XXXX Violating US Code 1681 A5 Also, the debt is unauthorized, is reporting the incorrectly, and according to the FCRA Credit Reports for collection of delinquent child support, judgements, fines and liens may no longer be permitted. As uploaded on the transunion website and if it can't be reported on one Burera then it can't be report on any Burera at all.
Consumer complaint received 2024-03-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC (CA)

Greetings, upon checking my report I noticed accounts that I do not own I am a victim of identity theft and also a victim from the XXXX and XXXX XXXX breach. I am requesting that these accounts be removed and blocked of my profile as they are in violation of my consumer rights. These accounts should not be furnished on my consumer report. 
XXXX XXXX code XXXX b permissible purpose of consumer reports ( a ) In general subject subsection ( XXXX XXXX XXXX any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( XXXX ) In accordance with WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as protected consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted in an alleged identity theft not later than XXXX business days after the date of receipt. 
Please delete!!!!!!
Consumer complaint received 2023-09-21
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. (NJ)

I personally do not know this information but it is in my report damaging my status, please remove this soon XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX
Consumer complaint received 2023-06-09
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 first 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$7200.00} XXXX  XXXX Balance : {$7500.00} XXXX XXXX XXXX Balance XXXX {$25000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On XX/XX/XXXX, I contacted TransUnion about the following incorrect information on my credit report. To this date they have not responded. 


The following account is not mine XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$560.00} ). Please remove it from my credit report. 
The following account is not mine COLLECTION ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$580.00} ). Please remove it from my credit report. 
The following account is not mine COLLECTION ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00}, Original Creditor : COLLECTION ). Please remove it from my credit report. 
The following account is not mine XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$400.00} ). Please remove it from my credit report.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX, and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$19000.00}
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (PA)

Synchrony bank illegally reinserted accounts on my credit report that should not be reporting as begative. The 4 accounts have been iincluded on my credit report today XX/XX/24. 
All 4 accounts are appearing with no lderogatory information yet they appear under the derogatory column. These accounts should appear as older accounts under the column accounts that are positive.

Additionally, all ( 3 ) of these accounts are in violation of my privacy under 15 USC Section 604 ( a ) ( 2 ) and 15 USC 1681 ( a ) ( 2 ) which states a credit reporting agency can not furnisher can furnish an account without my written instructions. 
All the accounts placed on my report today with inaccurate information showing these good accounts are not negative should be deleted immediately or placed back with my good acvounts. 

1 ) SYNCB/ Gap XXXX XXXX XXXX XXXX XXXX Lowes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated (VA)

Re : XXXX To Whom It May Concern : This will serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communications with me in regard to the alleged debt, referenced above. Do not contact me or any third parties via telephone, email, or mail regarding collection of this alleged debt.

I formally dispute the validity of this alleged debt. My dispute of this debt will be sent to Consumer Adjustment Co electronically, via CFPBs portal, and to the address referenced above, via certified mail, for record keeping purposes. 

In violation of both FCRA and FDCPA, I never received any notice of this alleged debt, with all of the required components, or of my right to dispute. However, as of XX/XX/2024, this alleged and fraudulent collection account was reported to my credit report. I do not owe this debt or any debt to Consumer Adjustment Co. or to any third party Consumer Adjustment Co. is stating to represent. I was a victim of identity theft and had a plethora of accounts fraudulently opened in my name. I have, again, enclosed a copy of FTCs id theft report to this letter.

As it is apparent that this alleged account was opened fraudulently, it is unconscionable that Consumer Adjustment Co. chose to initiate credit reporting and collection efforts, without giving me my legal right to dispute.

Per FCRA and FDCPA, all reportable information has to be true and accurate prior to reporting. Consumer Adjustment Co. has failed to follow the law and has taken adverse action against me and my credit report, by placing a collection account on my credit report, which was opened by way of fraud, without giving me proper notification and my right to dispute. 

As such, I formally request that all adverse information placed against my credit report is removed immediately upon receipt of my documentation, and that further collection activities are ceased. You are also notified that should adverse information remain on my credit reports, and if collection activities continue, appropriate legal action will be taken. 

Thank you for your attention in this matter. 

V/R, XXXX XXXX
Consumer complaint received 2023-06-09
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. (FL)

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. 

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 an 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 2024-05-10
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (VA)

I was a victim in the XXXX XXXX scandal which involved fraud, high pressure recruiting, misrepresentation ( claimed to be accredited when they weren't ), and various other issues. President Biden recently announced that the government will be discharging federal loans for all students who attended the XXXX XXXX, as per the articles I have pasted below from Dept of Education and whitehouse.gov. I would like to request that the remaining balance of my private loans with Navient also be discharged. I was victimized by this school, and the federal government has recognized that. I believe my fraudulent private loans should be discharged in the same manner. Please advise how I can proceed with this request. 

Dept of Education Article : XXXX XXXX XXXXXXXX XXXX from White House XXXX XXXX : XXXX
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX  TN XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-06-09
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. (NV)

This is my tenth 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 alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NV XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXXXXXX Balance {$910.00} ; XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$1600.00} ; XXXX XXXX. XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX  Inquired on XX/XX/2021 ; XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 ; XXXX Inquired on XX/XX/2021 ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/2021.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Equifax is reporting multiple errors on the XXXX XXXX XXXX  XXXX account. This account is inaccurate and incomplete. Please make this account accurate and complete, or remove the account from my credit report.
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (VA)

I used a lot of my available credit at this time among all my creditors so things were very tight. But I was still paying all my bills on time. But i ran across 2 creditors that I found to be terribly dishonest. The first one was a company called XXXX XXXX. I received a {$12000.00} loan from them. I was paying them on time but I noticed that after making a few {$600.00} payments, that my debt to them only kept climbing. I thought it was a simple interest loan. So after every payment, it should have gone down. But it went up. But the one I am very angry about was a Best Buy credit card by Citi. It had started with a line of credit of {$2000.00}. A few months in, I went over my credit limit by {$20.00} and then was going to charge me on over limit fee of {$45.00}. I called them and asked why they let me go over my credit limit. They said to be nice. I asked them to not be nice again especially since they were charging me to go over my limit. I told them to decline any charges over my credit limit. They said that was fine. But like 5 months ago, they sent me a bill that said I went over my limit by like {$650.00}. I was completely stressed out and I paid it immediately but soon discovered I was not able to pay my other credit cards. That I feel terrible about. I have 3 credit cards in good standing. I am hoping to settle my XXXX ones. But what Citi did just destroyed me overnight. I was like at XXXX, my credit score and the day they reported me as going over, it ranked me to like XXXX. I have not been able to recover. I am at fault for utilizing too much of my credit, a lesson I will learn. But what they did feels criminal to me.
Consumer complaint received 2023-06-09
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. (CA)

I called your department after I purchased a credit report with XXXX XXXX dated XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative accounts on my credit report. These are disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these negative, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THESE FRAUDULENT ITEMS : XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX  . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and Utility Bill as verification of my ONLY address.
Consumer complaint received 2018-11-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I checked my credit report XX/XX/XXXX which I have file three disputes and I disputed 18 inquires that was not authorized by me for credit due to ID theft .Which I provided credit bureau proof. I have not heard back from bureau yet. 

Inquiry Date 1XXXX XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XXXX XX/XX/XXXX 3XXXX XXXX XXXX XX/XX/XXXX 4 XXXX XXXX XX/XX/XXXX 5.XXXX  XXXX XXXX XX/XX/XXXX 6.XXXX XXXX XXXXXXXX XX/XX/XXXX 7.XXXX XXXX XXXX XX/XX/XXXX 8XXXX XXXX   XXXX XX/XX/XXXX 9 ; XXXX XXXX XX/XX/XXXX 10.XXXX XXXX XX/XX/XXXX 11.XXXX XXXX XX/XX/XXXX 12.XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX 14 XXXX XX/XX/XXXX 15 XXXX XXXX XXXX XX/XX/XXXX 16.XXXX/XXXX XX/XX/XXXX 17. XXXX XXXX XXXX XX/XX/XXXX 18. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-24
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. (CA)

Transunion is in violation of FCRA 607 ( b ) accuracy of my credit file. According to FCRA 623 ( a ) ( 5 ) the companies that are furnishing adverse data on my report are, by law, required to submit " not later than 90 days after furnishing the information, notify the agency of the month and year of the commencement of the delinquency that immediately preceded the action. '' They have/ did not. There is no date of the first delinquency on my credit profile for the below accounts. In addition, there is no payment history or terms. Yet, Transunion is in willful violation against FCRA 607 ( b ) accuracy, 611 ( 5 ) ( A ) incomplete data, and 623 ( a ) ( 1 ) ( A ) reporting with knowledge of errors allowing those companies to be listed on my credit profile are are subject to FCRA 616 and/ or 617. 

This applies to the following companies on my Transunion credit profile XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX