davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stern Recovery Services, Inc. (PA)

I have been trying for years now to resolve this situation with this company. I have sent MANY letters and calls stating it was a Workers Comp claim and that the original creditor did not give all information for payment in timely fashion and their window expired and they are forcing me to pay due to their neglect ignorance of numerous letters and calls. They have damaged my credit and reputation. 
I am writing to your office to please help me to resolve this clear violation of my consumer rights by Stern Recovery Services. They are unfairly and inaccurately reporting on my Consumer report and it is negatively affecting my character, my mood of living, and my general reputation. I have been damaged as a result of their unfair and inaccurate reporting. I have exercised my specified remedy, notice of debt validation, ( Pursuant Regulation F, 12 CFR 1006 ) several times with no response. I sent a notice of debt validation, ( Pursuant Regulation F, 12 CFR 1006, 15 USC 1692 ) as well as Cease and desist all forms communication with me pursuant 12 CFR 1006 ( c ) ( 1 ). Stern Recovery Services have violated my Rights pursuant 12 CFR 1006.34 ( c ). They have failed to provide all the required Documentation as per my request under the new rule Regulation F and Validation of debt. The law is explicitly clear, ignorance of the law is no excuse. Stern Recovery Servicess 30 day Debt validation period has ended and they FAILED TO PROVIDE ALL REQUIRED validation Information AS PER THE LAW 12 CFR 1006.34 ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information. Stern Recovery Services have violated my Rights pursuant 12 CFR 1006 ( c ) ( 1 ). They have failed to cease and desist all forms of communication with me. They are still trying to communicate with me through furnishing unfair and inaccurate information on my consumer report. All collection activities on this Alleged Debt that they failed to provide validation within the 30 day period allowed by Federal law Pursuant 12 CFR 1006.34 ( c ) Must be DELETED Immediately. Please help me by assisting me in resolving this clear violation of my consumer rights by Stern Recovery Services reporting the collection and the disputed status on my Consumer report with a DELETION immediately.
Consumer complaint received 2018-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

The following accounts are not mines and according to the FCRA law they should be removed. I never once was provided with any physical verification of these accounts. I'm asking to be provided with physical documentation or as it is written via the FCRA law, remove and/or block from my report. False information is hindering me from buying a house. No credit agency shall report information without providing physical documentation. Please remove/ block the following accounts from my report.. 
1 ) XXXX XXXX, {$1200.00} 2 ) XXXX XXXXXXXX XXXX, {$350.00} 3 )  XXXX XXXXXXXX XXXX, {$130.00} 4 ) XXXX XXXX XXXX, {$750.00}
Consumer complaint received 2018-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern, Dear Sirs, Half year ago I have paid my debt to collection company, but the record of that collection still exist on my XXXX and Trans Union credit reports. 
This is the record : XXXX XXXX XXXX XXXX XXXX   Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX - Collection company
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit REporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX15 USC section 602 A. States I have a right to privacy. 15 USC section 1681 Section 604 A Section 2 : It also states a 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 USC 1681sw-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 2023-11-23
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts :. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2024-03-22
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-23
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. (PA)

I, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :
Consumer complaint received 2023-11-21
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. (KS)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

Account name : XXXX XXXX XXXX XXXX Account number : n/a Date : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Account number : n/a Date : XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX XXXX Account number : Date : XX/XX/XXXX 2022
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Let me be clear : If Portfolio Recovery Associates , LLC does not comply with what i am demanding, i will receive legal counsel and Portfolio Recovery Associates , LLC will be held accountable to 15 U.S. Code 1692k. This is the final warning. I have done nothing but be patient and i have given Portfolio Recovery Associates , LLC time to fix their multiple mistakes. First Portfolio Recovery Associates , LLC has now broken a cease and desist violation 15 U.S. Code 1692c ( C ) as they have now sent me a letter in the mail regarding another alleged account. When i asked for a cease and desist that was for the whole company Portfolio Recovery Associates , LLC operates. My federal rights has been violated. Second as described in complaint ( XXXX ) by PRA : Because we purchased the account and contract XXXX XXXX XXXX had with XXXX XXXXXXXX to pay the balance due, no other contract between XXXX XXXX XXXX and PRA is required to validate the account ''. This information is nothing but hearsay as PRA has failed to provide ANY contract with my signature on this alleged account. PRA continues to make false or misleading representations about me as they have provided no legitimacy to their alleged claims. I demand to see this contract with my signature on this alleged account. If PRA cant provide this information I demand PRA to close this alleged account, cease collection activity, and not to report to ANY credit bureaus. Cease and desist.
Consumer complaint received 2023-11-23
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-02
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Santander Consumer USA Holdings Inc. (TX)

Left voice mail saying I had suit against my social security number when I called number back did not identify who they were just I was being prosecuted for a debit on vehicle from XXXX which I settled in XXXX
Consumer complaint received 2023-01-21
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. (FL)

In accordance with the Fair Credit Reporting Act, 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 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late fo any reason.
Consumer complaint received 2023-05-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (KY)

I made a wire transfer to coinbase.com. I was going to purchase some cryptocurrency. The day after it was purchased and placed in my bitcoin account. There was an unauthorized transaction and the cryptocurrency was sent somewhere without my permission. It was {$10000.00}. I dont know where that money went, and I did not authorize it. I believe my account was hacked and someone transferred my funds possibly into a crypto wallet. I would like that bank transfer to be reimbursed. This was done on XX/XX/XXXX. The transaction was a XXXX bank transfer from my personal account.
Consumer complaint received 2023-11-23
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. (NY)

There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer. 
Provide accurate information about accounts or other interactions you have with customers. 
C - Look at consumer complaints in a reasonable manner According to XXXX, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report. 

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the XXXX. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation. 

I'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 
XXXX XXXX XXXX XXXX Collection {$650.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Collection {$650.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$640.00}
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I, XXXX XXXX, lost my wallet in XXXX of XXXX. I was under the impression that one of my children had mistakenly thrown it away, as it was sitting near empty shopping bags. The wallet was filled with my personal information ID 's, Social Security card, debit cards and checkbook, I replaced all the items in the wallet with no issues and it wasn't until when I recently checked my credit, that I learned that several accounts have been opened in my name without my permission. I have contacted the credit bureaus for assistance, and I was instructed to make a FTC Fraud Victims affidavit and report so that they can fully investigate and remove these accounts from my credit report. 
Below are the fraudulent accounts showing on my credit report - XXXX, ACCOUNT # XXXX, opened XX/XX/XXXX for {$450.00} - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ), ACCOUNT # XXXX, opened XX/XX/XXXX for {$650.00} - XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ), ACCOUNT # XXXX, opened XX/XX/XXXX for {$1100.00} - XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ), ACCOUNT # XXXX, opened XX/XX/XXXX for {$450.00} - XXXX  XXXX ACCOUNT # XXXX, opened XX/XX/XXXX for {$450.00} - XXXX, ACCOUNT # XXXX, opened XX/XX/XXXX for {$25000.00} - XXXX, ACCOUNT # XXXX XXXX opened XX/XX/XXXX for {$4100.00} - XXXX, ACCOUNT # XXXX, opened XX/XX/XXXX for {$700.00} - XXXX, ACCOUNT # XXXX, opened XX/XX/XXXX for {$510.00} - XXXX, ACCOUNT # XXXX, opened XX/XX/XXXX for {$25000.00} - XXXX, ACCOUNT # XXXX, opened XX/XX/XXXX for {$5200.00}
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Name and address is incorrect Information.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens March 27, 2023 281 SW 715,719 I presume that no proof of the alleged debt, in fact therefore exists.
Consumer complaint received 2023-06-14
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. (FL)

Recently I did an investigation on my credit report which caused severe XXXX upon me and found XXXX, invalidated, inaccurate and questionable items that your agency didnt make sure it was reporting 100 % correct. In accordance with the fair credit Reporting Act everything has to be 100 % accurate on my credit report and under 15 u.s. code 1681e ( b ) and 15 u.s. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-02-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

Summary of my case : I. I refinanced my mortgage loan on XX/XX/XXXX. The mortgage monthly payment was 74 % of my monthly net pay. 

II. The closing took place on XX/XX/XXXX, but the alleged lenders attorney, XXXX XXXX, backdated the closing documents to XX/XX/XXXX, a week earlier, which completely eliminated my 3 days Right to Cancel. It was not until a year later that I discovered that TILA allows for a 3 year extension of the Right to Cancel and that the backdating, eliminating my 3 days to cancel, was a TILA violation. 

III. After 1 year and 3 months I could not keep up with the monthly payments. 

IV. The alleged lender filed foreclosure complaint. 

V. In Verified Answer on XX/XX/XXXX, I rescinded the refinanced mortgage loan. 

VI. The alleged lender ignored my rescission and continued foreclosure. 

VII. If they had followed the steps in TILA 1635 after my timely and valid notice of rescission, reversal to the status quo would have been easier. 

VIII. On XX/XX/XXXX, Judge denies their motion for Summary Judgement. 

IX. On XX/XX/XXXX, Judge denies their motion for Summary Judgement. 

X. On XX/XX/XXXX, a new Judge grants them Summary Judgement. 

XI. On XX/XX/XXXX, the new Judge granted them Foreclosure and Sale.

XII. What I have that proves that we didnt close on XX/XX/XXXX is a HUD Settlement Statement that was signed by me and dated XX/XX/XXXX. Note that this was 4 days after the alleged closing date. 

Please see my attached formal written complaint to the CFPB and attachments A through J for the details of my case.
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

On XXXX XXXX XXXX someone fraudulently used my personal information to fraudulently open a Capital One credit card account. I contacted Capital One both by phone and in writing. I provided proof I was a victim of identity fraud. Capital One refused to accept my claim of a fraudulently opened account by identity fraud. Later Capital One paid me {$650.00} to settle a class action based on the release of my personal information by Capital One.
Consumer complaint received 2023-01-21
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. (PA)

On XX/XX/2022 affidavit of truth was sent to Transunion for inquires. Invoice and exhibits were sent for violations and damages. According to 15 US Code 1681N I have been XXXX and XXXX under this notion. Per FCRA all UNVERIFIED and UNAUTHORIZED accounts after XXXX days must be removed from consumer report! Transunion has failed to send substantial proof of these inquires being authorized. Also failed to fix errors on consumer report.