davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-30
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)

After several attempts to try to correct these accounts with the major credit bureaus they have violated my rights as a consumer, I have taken matters into my own hands and reviewed my rights in the fair credit report act law and have found that these accounts violated MANY LAWS. The accounts im referring to are listed below, and I have attached all the errors I am referring to straight from my credit report with marks, as well as cited all the laws they have seem to violated, if not more once I send to my consumer attorney if not addressed ASAP.

15 U.S.C 1681 section 602 A states I HAVE THE RIGHT TO PRIVACY Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Inaccurate Reporting 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or DELETE THE ITEM ( S ) from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller 15 U.S.C 1681 Section 604 A Section 2 : states that a consumer reporting agency can not furnish an account without my written instructions. I NEVER GAVE WRITTEN CONSENT TO THESE COMPANIES THE ACCOUNTS IN QUESTION : XXXX XXXX XXXX ALL ACCOUNT NUMBERS ARE LISTED ON THE IMAGE ATTATCHED!!
Consumer complaint received 2023-05-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (MN)

I had an auto loan with Wells Fargo on my XXXX we took out in XXXX we ran into so issues and deferred a few months I was paying on after the deferment for around 6-9 months and when I went to refinance with another bank ( credit union ) I asked for a pay off amount and was surprised it had not changed the pay off amount was the same amount it was months prior over 6 to be exact I then asked and was told oh you have only been paying interest on this loan for the last 6-9 months nothing to the principal also my wife and I did not have great credit but the interest rate was 23.99 % I thought that was outlandish I refinanced the loan in late XXXX or early XXXXsoni did not have to deal with Wells Fargo anymore
Consumer complaint received 2023-10-04
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. (MD)

I have disputed XXXX since XX/XX/2022 several times and never got a response. This account does not belong to me nor am I legally responsible for this account. The account is really harming my credit score and need to be removed immediately. It's showing up as a delinquent account with multiple late payments. Please remove this account from all of my credit reports.
Consumer complaint received 2023-05-05
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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: Experian Information Solutions Inc. (MO)

: Note- This is not a duplicate complaint Subject : Formal Complaint Against Experian for False Credit Reporting and Antisemitism/Discrimination Violations Date : XX/XX/XXXX To the Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Experian Credit Bureau regarding false credit reporting and potential violations of Antisemitism/Discrimination laws. My personal information and the details of the dispute are as follows : - **FTC Complaint Number : ** XXXX - **Experian Credit Bureau Account XXXX ** XXXX XXXX dispute - **XXXX XXXX Accounts : ** # XXXX & XXXX Upon reviewing my Experian Credit report on this day, I discovered inconsistencies in the reporting of XXXX XXXXXXXX accounts # XXXX & XXXX. These accounts are incorrectly marked as charge-off accounts, and, upon further investigation, I found that XXXX XXXX is also listed as a business account. I did not own any company in XXXX, and therefore, this information is inaccurate and misleading. 

I have diligently attempted to rectify this issue by filing a complaint with the Federal Trade Commission ( FTC ) against both Experian and XXXX XXXX. Despite numerous attempts to contact both entities, I have been directed back and forth without a resolution. This lack of cooperation is frustrating and appears to be a deliberate effort to avoid addressing the false reporting. 

What is particularly concerning is that this false reporting has led to a significant decrease in my credit score, despite a positive payment history and the successful resolution of many accounts, totaling hundreds of thousands of dollars. My score, which should reflect in the XXXX based on my good payment history, has been unfairly reduced to the XXXX due to these inaccuracies. 

I strongly believe that this is not merely a case of reporting errors but a form of discrimination. As a taxpayer and citizen, I am entitled to the American success that should accompany a good credit history. However, Experian 's actions are hindering my ability to achieve this success and negatively impacting my life. 

I request the Consumer Financial Protection Bureau 's intervention to ensure consumer rights protection against this type of Antisemitism and discrimination. I trust that your agency will thoroughly investigate this matter and take appropriate actions to rectify the false reporting on my credit file. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-11
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)

XX/XX/2023 a letter was sent to Transunion via USPS tracking # XXXX XXXX XXXX XXXX XXXX. They signed for the letter on XX/XX/2023. The letter informed them that an account list on my credit report from XXXX XXXX  was not mine and that they needed to remove the account. On XX/XX/2023 Transunion sent a letter to me via US Mail that said they DELETED the XXXX XXXX  from my credit report. I then sent 2 more letters demanding the DELETE the XXXX account and the have failed to do so.
Consumer complaint received 2024-02-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd. (IN)

I keep getting calls and texts from this company stating I owe some type of debt every single day. I do not have any debt with HARRIS & HARRIS , LTD.I do not have a contract with HARRIS & HARRIS , LTD . They did not provide me with the original contract as requested.I have blocked them multiple times and the call from different numbers. I have received nothing in the mail stating that I owe any type of debt. 
This is a Violation of my privacy rights of 1974 I am tired of pain and suffering that you keep putting me through.
Consumer complaint received 2023-05-05
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. (MD)

I sent a letter requesting that you reinvestigate the disputed Accounts from my credit report as well as correct these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. The following accounts are listed below : XXXX XXXX XXXX Balance : {$1900.00}, XXXX  XXXX XXXX Balance : {$3200.00}
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OH)

Department of education isn't reporting original loan amount of $ XXXX instead they are reporting the balance as the original loan amount. This is a installment loan and should reflect all loans and consolidations inclusive of the 43 loans that were recently consolidated from XXXX XXXX from XXXX to XXXX, before then it was XXXX XXXX, and XXXX XXXXXXXX from XXXX. Those banks are missing from the report all together and it has not been 10 years since the activity of Consolidation.
Consumer complaint received 2023-02-17
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. (GA)

I have sent in both of my police reports. I'm a 3X victim of identity theft. The accounts do not belong to me and I have sent in proof. Why they are still reporting these accounts I asked to be deleted. What other proof do you need.
Consumer complaint received 2020-08-07
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Smith, Cohen & Rosenberg LLC (TX)

Someone from from telephone number XXXX XXXX said he was from Smith Cohen and Rosenberg contacted me today on XX/XX/2020 and said I owed him money. 
When I informed the caller I did not owe his company any money he made verbal threats towards my life ordering me to pay or else. When I gave him a verbal cease and desist order, he said we were not done.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

VICTIM OF IDENTITY THEFT PLEASE SEE ATTACHED LETTERS ISSUD TO FINANCIAL INSTITUTION AND BUREAUS XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Prosper Marketplace, Inc. (NV)

XXXX in XXXX XXXX is on my credit report - do not recognized this company XXXX XXXX in XXXX XXXX is on my credit report - did ant apply for anything
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (GA)

This company is stating that I opened up 4 accounts. It says I owe them $ XXXXon 4 different accounts. I explained to them that someone stole my social security number. I proceeded to ask if I can speak with someone that can help me because I didn't open these accounts. They said that there was nothing that they could do for me and that i would have to pay.
Consumer complaint received 2024-02-04
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Happy Money, Inc. (AZ)

I contacted happy money ask them to stop calling and contacting my cell phone. A representative stated she would put a Cease and Desist order on the account. This was in XX/XX/year>. I want to say couple days later I received a text message from happy money which I found very odd after stating I didnt want communication via my phone line. I called in and submitted a complaint. Manager reviewed the account and admitted that the account did in fact have an active Cease and Desist order. She stated she will forward the case to another department. A rep name XXXX XXXX XXXX out and stated that it wasnt a full cease and desist order. That they can still text me. I submitted a demand letter and requested compensation for a violation on the order. I asked for the legal departments number and they stated they dont have one. I have sent 2 emails to XXXX. No response. Also XXXX didnt deny that if I was white they would respond. But didnt deny that they havent responded because XXXX a XXXX XXXX. Which is against federal law. I have ask for arbitration and basically have not received a straight answer. I signed a contract stating to advised Happy money if I disagree and would like to seek arbitration to advised happy money which I did. XXXX would not start the process or send info to the arbitration team.
Consumer complaint received 2024-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MD)

RE : RESURGENT/LVNV FUNDING | ACCOUNT NUMBERS XXXX XXXX XXXX I am writing to file a formal complaint regarding a debt collection on my consumer file that is a result of identity theft. Pursuant to Section 615 ( f ) ( 1 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681m ( f ) ( 1 ) ), I am formally requesting that you ensure compliance with the regulatory obligations imposed by the law. I also want to draw your attention to Section 30 ( b ), which prohibits the sale, transfer for consideration, or placement for collection of a debt resulting from identity theft.

The debt in question has arisen from identity theft, and as per Section 615 ( f ) ( 1 ) of the Fair Credit Reporting Act, no person shall sell, transfer for consideration, or place for collection a debt if they have been notified under Section 605B of the Fair Credit Reporting Act that the debt has resulted from identity theft. I am requesting that you investigate this matter promptly and take necessary actions to block the unauthorized information from my account.

Furthermore, I assert my rights under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. The Furnisher/Creditor should be able to supply an original documentation ( an original instrument of indebtedness with the autograph on it ), not to be confused with a photocopy. I am requesting a complete audit trail of the accounts in question and the Tax Registration certificate. Additionally, the creditors must provide a true certified copy ( NOT a photocopy ) of the original note or promissory note ( credit agreement ) contract binding both parties. This request is made in accordance with generally accepted accounting principles ( GAAP ), International Financial Reporting Standards ( IFRS ), Basel 3 Accord, and UNCITRAL conventions.

Under Section 615 ( f ) ( 1 ) of the Fair Credit Reporting Act, the debt collector must cease collection activities until it has satisfied the requirements to validate the debt, including blocking the reporting of information resulting from identity theft. 

I request that your agency thoroughly investigates this matter, takes the necessary steps to block the unauthorized information from my account, and provides me with a written response outlining the actions taken to comply with the Fair Credit Reporting Act. I remind you of your obligations under the Fair Debt Collection Practices Act ( FDCPA ) and emphasize the importance of adhering to the regulations set forth to protect consumers. 

Enclosures : [ Include any relevant documentation such as copies of police reports, FTC reports, etc. ]
Consumer complaint received 2024-04-09
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)

Subject : Request for Deletion of Two Accounts - Urgent Action Required from TransUnion and XXXX Dear Credit Bureau Representatives, I am writing to bring to your attention a critical matter regarding my credit report. Recently, I discovered that XXXX has deleted XXXX accounts from my credit report due to inaccuracies. The accounts in question were erroneously reported and have since been deemed invalid by XXXX. 

As XXXX has taken the appropriate action to rectify this error by removing the accounts from my credit report, I am requesting that TransUnion and XXXX also follow suit and delete these same accounts from my credit reports with your respective bureaus. 

The inaccurate reporting of these accounts has had a detrimental impact on my credit score and financial standing. It is imperative that all three major credit bureaus accurately reflect my credit history to ensure fair and accurate assessment by creditors and lenders. 

I have attached documentation from XXXX confirming the deletion of these accounts for your reference. I kindly request that TransUnion and XXXX investigate this matter promptly and take the necessary steps to remove the disputed accounts from my credit reports. 

I appreciate your attention to this matter and look forward to your prompt resolution. Should you require any further information or documentation, please do not hesitate to contact me. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2024-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (MD)

RE : CREDIT COLLECTION SERVICES | ACCOUNT : XXXX  I am writing to file a formal complaint regarding a debt collection on my consumer file that is a result of identity theft. Pursuant to SectiXXXXn 615 ( f ) ( 1 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681m ( f ) ( 1 ) ), I am formally requesting that you  ensure compliance with the regulatory obligations imposed by the law. I also want to draw your attention to Section 30 ( b ), which prohibits the sale, transfer for consideration, or placement for collection of a debt resulting from identity theft. 

The debt in question has arisen from identity theft, and as per Section 615 ( f ) ( 1 ) of the Fair Credit Reporting Act, no person shall sell, transfer for consideration, or place for collection a debt if they have been notified under Section 605B of the Fair Credit Reporting Act that the debt has resulted from identity theft. I am requesting that you investigate this matter promptly and take necessary actions to block the unauthorized information from my account. 

Furthermore, I assert my rights under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. The Furnisher/Creditor should be able to supply an original documentation ( an original instrument of indebtedness with the autograph on it ), not to be confused with a photocopy. I am requesting a complete audit trail of the accounts in question and the Tax Registration certificate. Additionally, the creditors must provide a true certified copy ( NOT a photocopy ) of the original note or promissory note ( credit agreement ) contract binding both parties. This request is made in accordance with generally accepted accounting principles ( GAAP ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX, and XXXX conventions. 

Under Section 615 ( f ) ( 1 ) of the Fair Credit Reporting Act, the debt collector must cease collection activities until it has satisfied the requirements to validate the debt, including blocking the reporting of information resulting from identity theft. 

I request that your agency thoroughly investigates this matter, takes the necessary steps to block the unauthorized information from my account, and provides me with a written response outlining the actions taken to comply with the Fair Credit Reporting Act. I remind you of your obligations under the Fair Debt Collection Practices Act ( FDCPA ) and emphasize the importance of adhering to the regulations set forth to protect consumers. 

Please note I have never possessed a drivers license and wouldnt have needed care insurance of any sort! 

Enclosures : [ Include any relevant documentation such as copies of police reports, FTC reports, etc. ]
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am reaching out to address and rectify inaccuracies present on my credit report. Upon thorough examination, I have identified an account that is reporting late payments erroneously. Upon contacting the associated company, they have acknowledged the error and agreed to rectify it by updating my account and removing the late payments. 
It has come to my attention that other credit bureaus have already corrected this account on their respective reports. Thus, I kindly request that you update my credit report to reflect these corrections promptly. 
The account in question is with : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-04
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (GA)

Loss my job and I was paying what I could and was try to keep up. Talk with a rep on several occasions and they always say that they can help me with refinancing the vehicle to help me catch up and never said anything about repossession of the vehicle. I lost my job and that's why I got behind now they pick the vehicle up now I can't get to work.