davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LCI Acquisition Inc. (MI)

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
Consumer complaint received 2024-03-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit Managment keeps harassing me about a debt for XXXX XXXX. Ive asked them to please cease and desist all calls and contacts with me immediately. Theyll change numbers and start calling and emailing again.They have even called my family members to get in contact with me. You are required by the TCPA to honor this request to cease and desist. This has taken a toll on my mental health. Harassment, intimidation, and bullying on a consumer is illegal. Also I dont didnt sign a contract with Midland Credit Management I had an agreement with XXXX XXXXXXXX so I will only be dealing with this debt through them. Pleas remove this account off my credit report from all 3 reporting agencies immediately. Legal action will be taken if this is not done within 30 days of this complaint.
Consumer complaint received 2024-03-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (CA)

The debt collector Midland Credit Management ( if that was indeed them ) called me and implied they would get a levy on my bank account if I did not give them my banking information then and there to setup a payment plan. Out of fear I gave them this information. I learned after the fact that ( 1 ) you are never supposed to give a debt collector your banking information and ( 2 ) they are not allowed to imply that they will get a garnishment or levy against you if you do not comply I am afraid of my bank account getting drained now as it only contains money I need to survive. 

I was called from XXXX
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

In Accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A States have the rights 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 instruction.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

On my credit report ( s ) for the 3 main credit agencies, the accounts noted in the enclosure were " charged off ''. According to IRS Publication ( s ), charge-offs are considered income, and income can not be reported on credit reports.
Consumer complaint received 2022-11-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am not liable for this debt with XXXX secured credit card. They did not provide me with the original application like I asked. 

Also, my entire {$5000.00} deposit was not returned within 10 weeks once my account was closed. I secured the credit by providing XXXX a {$5000.00} deposit. XXXX has not only refused to return my deposit but is also reporting a collection account in my personal credit profiles with XXXX, XXXX XXXX Equifax.
Consumer complaint received 2023-04-12
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. (SC)

Hello, I have never received my original contract with my wet signature and I never signed a contract with XXXXXXXX XXXX XXXXXXXX and they have failed to validate the debt. You have violated and compromised my private information according to the Gramm-Leach-Bliley Act. Please send me copies of the original contract with my signature. If you can not find any of the info above immediately remove this account from my credit report. I have attached my license for proof of my identity.
Consumer complaint received 2023-06-08
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: EQUIFAX, INC. (CA)

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 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - Agreement with the creditor was satisfied and late payments are still showing on my report. This is Paid as agreed and the derogatory should be removed from my report. As a consumer by law this account must be deleted immediately.

This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Consumer complaint received 2022-11-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am not liable for this debt with XXXX secured credit card. They did not provide me with the original application like I asked. 

Also, my entire {$5000.00} deposit was not returned within 10 weeks once my account was closed. I secured the credit by providing XXXX a {$5000.00} deposit. XXXX has not only refused to return my deposit but is also reporting a collection account in my personal credit profiles with XXXX, TransUnion XXXX XXXX.
Consumer complaint received 2022-11-07
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)

I am not liable for this debt with XXXX XXXX XXXX and do not have a contract with XXXX XXXX XXXX. XXXX XXXX XXXX has not provided me with the original application with my signatures like I have requested. 

Furthermore, since I have not been supplied proof under the doctrine estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2023-07-07
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or 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 2023-08-15
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: EQUIFAX, INC. (VA)

ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CREDIT PLUS FACTUAL DATA XXXX XXXX XXXX
Consumer complaint received 2022-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am not liable for this debt with XXXX XXXX XXXX and do not have a contract with XXXX XXXX XXXX. XXXX XXXX XXXX has not provided me with the original application with my signatures like I have requested. 

Furthermore, since I have not been supplied proof under the doctrine estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2023-10-11
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Consumer complaint received 2023-10-11
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (MA)

On XX/XX/XXXX, I noticed that the personal information of someone else was listed on my XXXX credit report. I also noticed that a Comenity Bank/Express account was also listed on my credit report, which was not mine. I contacted Comenity Bank and learned that " XXXX XXXX '' of XXXX XXXX opened an account with Comenity Bank using his own personal information but listed my social security number on the application. Over the course of the credit account, XXXX was overdue on several payments. It is clear that XXXX XXXX mistakenly used my social security number when filling out the application. 

This is a disgrace and is currently affecting my opportunity to purchase a house, which we are closing on within the month. 

I previously submitted a claim on XX/XX/XXXX with the CFPB and XXXX to have the information removed, which it was. I am not sure why his personal information and credit history was re-attached.
Consumer complaint received 2023-04-24
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. (VA)

This is the several time I've complained about being a victim of identity theft. You must remove/block the items that were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX, VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX PROF DEBT XXXX Balance Owed : {$300.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$280.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$540.00} XXXX XXXXXXXX Balance Owed : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-01-04
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Corp Solutions Inc. (IL)

at XXXX on Monday XX/XX/2021 I was contacted by a representative from Credit Corp Solutions. I told the gentleman I was not XXXX, he asked to verify XXXX 's b'day. I did. 
He then told me all the options XXXX had about resolving his debt. I am in no way on his debt nor is it any of my business. We are NOT yet married. This debt it none of my business. 
When informed of this he said he could tell me as I verified his b'day
Consumer complaint received 2023-04-26
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. (TX)

I have never given permission to furnish the information to Lvnv Funding Llc. Investigated accounts that you didnt request to be investigated. Majority of the account information is inaccurate, the open dates and last active dates are never matching on any information originally. Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (FL)

I have no knowledge of this AMEX inquiry. 
I have no supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such inquiry, in fact therefore exists.
Consumer complaint received 2024-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (NJ)

On XX/XX/XXXX at XXXX my credit karma spend account was frozen with my tax refund in it. I called credit karmas number on the back of my card the entire day and everybody I spoke to could not tell me why. They are still holding my money without explanation. They send an email about contacting support on the phone yet support on the phone just tells u to look out for an email. Then they say they dont have access to that information. Ive called the owner of the company which is XXXX and they tell me to call credit karma. I call their supportive bank on my card which is XXXX XXXX  and they tell me the same thing. I call the fraud department and they said my card isnt locked but they have no access to anything else. They all give the run around with no explanation to why my account was frozen with my funds nor what to do nor when it will unfreeze. Every transaction on my account was made by me. Ive even verified all transactions then they say my card is not blocked anymore but when I go to take my money out my account is still frozen. I look at reviews and dozens of people are having the same issue with this company freezing and stealing their tax refund deposits. I just want my money. They will not even close my account because I have money in it yet will not give me access to my money. There is absolutely no reason for this. Further more I have my state refund set to come in here as well and will still have no access to my funds. Ive contacted every bureau or company I can think of and I am not receiving any explanation nor any help with this problem. I can not believe that XXXX XXXX supports and recommends this company to use for receiving tax refunds. I was a loyal customer for 6 years and now will never again use XXXX XXXX credit karma nor any other company owned by XXXX and I recommend everyone else to do the same.
Consumer complaint received 2023-01-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I called TransUnion today, XX/XX/XXXX and was lied to by their representatives in XXXX stating they emailed me their investigation results on XX/XX/XXXX from the dispute I submitted on XX/XX/XXXX. How can this be possible if I never received the email and TransUnion still agrees I had a personal account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX.? Please review the collection note detail and look at my credit report. 

TransUnion received my request on XX/XX/XXXX. The file number is XXXX. The item in dispute : XXXX XXXX XXXX. As of XX/XX/XXXX I have not received correspondence from TransUnion. 

TransUnion is not complying with the time periods established by the Fair Credit Reporting Act ( FCRA ). As of XX/XX/XXXX they are in violation. I am filing a complaint with the CFPB to help me hold TransUnion accountable to the FCRA. The FCRA says that disputes must be answered in XXXX days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in XXXX  days, and if they fail in that, the disputed item is required to be removed. 

I have filed multiple disputes, and even XXXX  to bring lawsuits, to get inaccurate information corrected in my credit reports
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Credit Bureaus changed the status of my Alabama Child Support Account from closed to collections. This is an error. This account is current and being paid as agreed. According to the Alabama Child Support Administration, child support should only be reported on credit reports if the past due balance is over {$1000.00}. I am current on my payments therefore the account should be removed, if not placed in a current status.
Consumer complaint received 2024-03-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (TX)

I am writing to file a formal complaint against Midland Collection Agency for the violation of my consumer rights as outlined by the Consumer Financial Protection Bureau ( CFPB ) regulations. Despite my repeated attempts to resolve the issue directly with Midland, they have failed to comply with federal regulations and have resorted to false, misleading, and deceptive practices. 

Under 12 CFR 1006.34 ( b ) ( 5 ), Midland is required to provide validation information upon request, which they have neglected to furnish. Despite this failure, they proceeded to place a collection on my credit report, thereby impacting my creditworthiness without providing me with the opportunity to dispute the debt as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Moreover, the agency 's actions constitute a clear violation of my consumer rights as they have used false and misleading representations to report the debt to consumer reporting agencies. According to 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ), Midland is obligated to provide all necessary disclosures before furnishing any account to a consumer reporting agency, which they have failed to do. 

I hereby request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate actions against Midland Collection Agency for their egregious violations of federal regulations and consumer rights. I also request that Midland be held accountable for any damages incurred as a result of their actions.