davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-18
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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$260000.00} ; XXXX XXXX XXXX Balance Owed : {$58000.00} ; XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX XXXX Balance Owed : {$3200.00} ; XXXX XXXX XXXX Balance Owed XXXX {$9600.00} ; XXXX  XXXX Balance Owed : {$430.00} ; XXXX  XXXX Balance Owed : {$6600.00}.
Consumer complaint received 2023-10-18
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-18
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. (CA)

I AM VICTIM OF AN IDENTITY THEFT, BACK IN XXXX  SOMEONE STOLE MY INFORMATION AND OPENED A CREDIT CARD WITH XXXX XXXX, THE CHARGES AND THE PAYMENTS MADE ON THIS CARD ARE NOT MINE. I UNDERSTAND THAT THIS IS A PAID IN FULL CLOSED ACCOUNT, BUT BECAUSE THIS IS A FRAUDULENT ACCOUNT I JUST DONT WANT IT TO BE ON MY CREDIT REPORT. LAST PERSON I SPOKE WITH WAS A REPRESENTATIVE AT XXXX XXXX  XXXX ( XXXX ) AND I EXPLAINED IN DETAIL HOW THIS CARD WAS OPEND FRAUDULENTLY, SHE WAS KIND TO PUT NOTES IN DETAIL AND STILL NO RESOLUTION, AGAIN I UNDERSTAND ITS A PAID IN FULL ACCOUNT AND ITS CLOSED BUT I JUST DONT WANT IT TO BE ON MY CREDIT REPORT. 3 TIMES I HAVE FAXED OVER MY IDENTITY THEFT REPORT TO THEM AS WELL AT THE NUMBER PROVIDED BY XXXX XXXX  ( XXXX ATTN : FRAUD DEPART.
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (NC)

I am writing to file a formal complaint regarding Credit Collections ' failure to respond to my validation request concerning an alleged debt reported on my credit reports. In XX/XX/year>, I reached out to Credit Collections to validate the debt they are reporting on my credit reports. Despite multiple attempts to communicate with them, I have not received any response. This lack of communication has caused me significant frustration and has resulted in multiple credit denials, impacting my financial well-being. 
It is deeply concerning to me that my request appears to have fallen on deaf ears. As a consumer, I have the right to dispute inaccurate information on my credit reports and to receive a timely response from debt collectors. However, Credit Collections ' failure to acknowledge or address my dispute request represents a clear violation of my consumer rights. I urge you to investigate this matter promptly and take appropriate action to ensure that Credit Collections complies with the laws and regulations governing debt collection practices. Your intervention is crucial in resolving this issue and protecting the rights of consumers like myself. Thank you for your attention to this matter
Consumer complaint received 2023-12-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio recovery calls my phone repeatedly using multiple numbers and when I contacted them through chat they were unable to locate any account information with my name, phone number and last 4 digits of my social security number. I have no debts owed or negative remarks on any of my 3 credit reports and I have very good credit.
Consumer complaint received 2023-12-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Around XX/XX/2023 I RECIEVED AN EMAIL FROM TRANSUNION WHICH IS A CREDIT REPORTING AGENCY OFFERING ME A CAR PURCHASE THROUGH XXXX XXXX XXXX ( A SCREENSHOT IS ATTACHED TO THIS COMPLAINT ) IT WAS A GAURANTEED CAR PURCHASE. I THOUGHT IT WAS BAD ETHICS FOR A CREDIT REPORTING AGENCY TO BE OFFERING A CAR LOAN SINCE THEY ALREADY KNOW THAT I HAVE BEEN TRYING TO PURCHASE A VEHICHLE FOR ABOUT A YEAR NOW SO I CAN WORK. I HAVE NOT BEEN ABLE TO PURCHASE A VEHICHLE BECAUSE ALL THREE CREDIT REPORTING AGENCIES HAVE BEEN REPORTING NEGATIVE ITEMS THAT IS NOT MINE. FOR A YEAR NOW THEY HAVE BEEN REPORTING AND I'VE BEEN TRYING TO DISPUTE THESE ITEMS OFF. BUT ANYWAY TRANSUNION WAS THE INSTITUTION THAT SENT ME THE EMAIL THAT GARANTEED A CAR LOAN SO I GUESS THEY ARE THE ONE TO COMPLAIN ABOUT. I TRIED FOR THE LOAN BUT WAS NOT ABLE TO GET IT!
Consumer complaint received 2023-02-26
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. (GA)

According to the FCRA 15 USC code1681 the 3 credit agencies that are displaying and furnishing inquiries and information on my credit report without my written consent which is against the law. Knowing I have submitted proof that of mix identity and been a victim of identity theft knowingly reporting things without my consent it damaging my credit and creditability and causing me hardship in my life which no matter how much proof I submit the credit agencies refuse to abide by the laws and correct. In addition to this preventing me from having access to my account due to mixed information that is preventing me from knowing what all is reporting. I have been going through this longer than 3 months with them and my report needs to be corrected immediately as I am being negatively impacted financially and mentally due to this stress and unresolved.
Consumer complaint received 2018-05-10
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: CAVALRY INVESTMENTS, LLC (GA)

On XX/XX/XXXX, the Credit Reporting agencies ( CRA ) provided Cavalry Portfolio Services access to my credit report although there was no legal reason to do so. I contacted the CRA 's who informed that the inquiry could not be removed nor could they provide me with the permissible purpose. I was instructed to contact Cavalry Portfolio directly at the address on the report for the legally permissible purpose. I sent a certified letter to Cavalry Portfolio at the address on the report and they have refused to respond. 
More than thirty days has expired. The letter was received on XX/XX/XXXX using cert number XXXX XXXX XXXX XXXX XXXX XXXX I have included a letter directly to the CFPB and a copy of the letter sent directly to Cavalry Portfolio by certified mail.
Consumer complaint received 2022-11-25
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)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have 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.
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (NC)

I am writing to file a formal complaint regarding Credit Collections ' failure to respond to my validation request concerning an alleged debt reported on my credit reports. In XX/XX/2024, I reached out to Credit Collections to validate the debt they are reporting on my credit reports. Despite multiple attempts to communicate with them, I have not received any response. This lack of communication has caused me significant frustration and has resulted in multiple credit denials, impacting my financial well-being. 
It is deeply concerning to me that my request appears to have fallen on deaf ears. As a consumer, I have the right to dispute inaccurate information on my credit reports and to receive a timely response from debt collectors. However, Credit Collections ' failure to acknowledge or address my dispute request represents a clear violation of my consumer rights. I urge you to investigate this matter promptly and take appropriate action to ensure that Credit Collections complies with the laws and regulations governing debt collection practices. Your intervention is crucial in resolving this issue and protecting the rights of consumers like myself. Thank you for your attention to this matter
Consumer complaint received 2023-10-18
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. (NC)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX Balance : {$18000.00} XXXX XXXX Balance : {$500.00} XX/XX/XXXXXX/XX/XXXXXXXX Balance : {$0.00}XX/XX/XXXX Balance : {$1300.00}.
Consumer complaint received 2023-10-18
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. (LA)

I've send letters in with my ID and current bill with address to update Correct current personal information and to take off that identity theft statement that I didn't ask for. I've also sent letters about furnishing items on my credit report without my permission which in the FCRA 15 USC 1681 I have a right to privacy and 15 USC 6802 I have a right to OUT-OUT of my personal information shared to non-Affiliated 3rd party. All I received was debt validation which I didn't even ask for.
Consumer complaint received 2023-10-18
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. (TN)

When I reviewed my credit report, I discovered that some of the information was 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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : CREDIT COLLECTION SERVICE Account number : XXXX Account name : CREDIT CONTROL SERVICES INC Account number : XXXX
Consumer complaint received 2024-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NJ)

I've received aggressive collection attempts from CREDIT CONTROL SERVICES , INC regarding a debt for insurance premiums owed to Progressive. Despite disputing the debt and informing them they're not licensed in New Jersey, they continue their efforts, causing undue stress. 

Their actions violate the Fair Debt Collection Practices Act ( FDCPA ), specifically USC 1692e, by engaging in deceptive collection practices. I request CFPB intervention to stop their unlawful actions. '' SUPPORTING DOCUMENT ARE ATTACHED
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Any CRA can only furnish a consumer report as provided in 15 U.S. Code 1681b ( 1 ), ( 2 ). Experian does not have my consent to furnish these items nor provide me with a document that proves that a court has ordered the furnishing of these items on my consumer report. Unless Experian can provide proof, a bank can not extend its own credit lawfully and therefore can not furnish a consumer report. 

I am requesting that all these items be removed from my report immediately. Thank you.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my 23rd 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 an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I APPRECIATE your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have been affected and severely impacted by the XXXX XXXX data breach. I'm a natural person who's not only been victimized by the 3 major credit reporting agencies, but also the criminals in the underworld. I never gave permission or authorization for my personal data to be stored, collected, sold or traded by any credit reporting agency. I've contacted the 3 CRA 's to inform them of inaccuracies and errors on my consumer credit reports but only Trans Union responded with a letter stating that they would not process my requests because they didn't think my letter came from me. The FCRA is pretty clear that credit reporting agencies have a legal obligation to ( re ) investigate ALL disputes and correct inaccuracies if they are made aware of such. I am deeply depressed and XXXX  going back and forth with these XXXX dollar corporations. I am also writing to the Attorney General of Connecticut, and the XXXX, as I have no faith in the CFPB. I sent certified letters to all 3 CRA 's on XX/XX/XXXX and received only XXXX response from Trans Union on XX/XX/XXXX stating they weren't doing anything because they didn't believe I sent the letters. This is completely unacceptable.
Consumer complaint received 2023-10-18
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. (IL)

I recently obtained a copy of my consumer report and identified several late payments reported on my XXXX XXXX XXXX XXXX account : XXXX XXXX XXXX XXXX Account # XXXX ( Reported late payment dates ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXXXXXX  Upon reviewing my credit report, I have discovered that these late payments are in apparent violation of the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681a 2 ( A ) ( i ), which states : " Except as provided in paragraph ( 3 ), the term 'consumer report ' does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' Additionally, the Fair Credit Reporting Act ( FCRA ) outlined in 15 USC 1681 and 15 USC 1681b, The FCRA clearly states under 15 USC 1681b ( a ) ( 2 ) that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. 

To reiterate, if there are no written instructions from me ( the consumer ) authorizing the inclusion of specific accounts on my credit report, they should not be present. This constitutes a violation of the FCRA, as I never provided written instructions for the inclusion
Consumer complaint received 2023-10-18
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. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The Equifax credit bureau is required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX  XXXX XXXX XXXX : {$1200.00}.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-18
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. (DC)

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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance Owed : {$5400.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$2200.00} DEPTEDXXXX XXXX Balance Owed : {$170000.00}
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.