davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
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. (CT)

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " 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. '' Experian is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801. XXXX XXXX XXXX financial institution by definition under that title. 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX is the financial institution and the Consumer reporting agency Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian and XXXX , whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX and Experian never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. I also sent an opt out letter to XXXX , in which they have not responded to. The law states that the company has 21 days to respond and they have not, as of yet.
Consumer complaint received 2023-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

This fraudulent company CREDENCE RESOURCE MANA has flagged my account as Collections on XX/XX/2023. 

Source : XXXX, XXXX and XXXX XXXX : CREDENCE RESOURCE MANA Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2023 Balance : {$170.00} I have never done business with this company before nor do I owe this company any money. Any debt that I would have incurred over 10 years and have way passed the status of limitation. I have not gone out and done business with any new company for 10 years so I know I do not owe any debt. 
I have never gotten a letter from this company or a phone call. But this company received my information through fraudulent means and has sent information to all three credit bureaus stating that I owe them money. 
This company is violating my rights and putting out information to the public that is inaccurate and misleading. This is definitely a scam, a fraud, and a way to get me to pay them money for something that I do not owe. 
My credit report and score have been greatly impacted by this erroneous information and has made me lose opportunities because of this fraudulent information.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

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 and inquiries from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. I believe this discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the company thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit report. 

XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-28
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. (CT)

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " 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. '' Experian is a consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801. XXXX XXXX is a financial institution by definition under that title. 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX is the financial institution and the Consumer reporting agency Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian and XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX and Experian never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. I also sent an opt out letter to XXXX XXXX, in which they have not responded to. The law states that the company has 21 days to respond and they have not, as of yet.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: NAVY FEDERAL CREDIT UNION (VA)

I hope this letter finds you well. I am writing to express my serious concerns regarding what appear to be violations of security regulations by your company. It is with great disappointment that I must bring this matter to your attention.
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

I have an account with PayPal Credit ( Synchrony Bank ). I have a transaction that has 6 months no interest. it started at {$4100.00} I have made numerous payments over the minimum and the balance is now {$1300.00}. I payed {$900.00} then a week later I paid {$300.00} as well as {$75.00} every week. Not one XXXXXXXX  has been applied to that balance, its all going to other places that are on monthly programs ( 24 equal payments ). I have called them and asked why its not going toward that and they tell me that I must meet the minimums on all programs first ( {$100.00} ) but even at that, nothing was applied to that other purchase.
Consumer complaint received 2023-05-10
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: CLGF Holdco 1, LLC (TX)

CB Indigo reports a debt of {$710.00} I submitted a debt validation to company on XXXX  received a letter back on XX/XX/ stating they were not able to locate an account.
Consumer complaint received 2023-12-22
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)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-10
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: GOLDMAN SACHS BANK USA (PA)

Since XX/XX/2022 I have consistently contacted XXXX and XXXX via telephone and written letters regarding unauthorized reporting on my credit report without my written consent that has violated my protected consumer rights. I have also contacted XXXX and XXXX XXXX XXXX inform them of this violation as well with no resolution. Neither one of the listed establishments were able to validate the reported accounts that included my wet signed sealed signature to confirm a contract. Rather than removing the violating information from my credit report, XXXX and XXXX closed the accounts. Furthermore, this inaccurate and unauthorized information remains on my recent credit report. There was no permissible purpose for the reported accounts and these accounts should not be furnished on my consumer report as they are in violation under 15 US Code 1681b and 15 U.S. Code 1681c-2.
Consumer complaint received 2023-11-28
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. (PA)

I will continuously dispute the negative close accounts that were reported on my credit report : XXXX. XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX ) Account # : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account # XXXX XXXX According to the information on my XXXX report, XXXX XXXX - Account XXXX : XXXX has been declared as current since XX/XX/2022. However, I have observed that it continues to be reported by other credit reporting agencies.

Moreover, these 2 collection accounts have no resolution until now. I have not received any communication or information about the validity of the alleged debt that these collection agencies have been continuously reporting.

I am seeking clarification on why this discrepancy exists and request the immediate removal of this inaccurate account from my credit files. It's my understanding that this matter has been addressed, and I expect that the relevant updates have been made accordingly.
Consumer complaint received 2023-12-22
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. (IA)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-22
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. (FL)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 **** Balance Owed : {$1600.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$240.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$25.00} ; XXXX XXXX XXXX Balance Owed : {$90.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$130.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-07-10
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. (NJ)

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 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 2024-04-19
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. (IL)

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.

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 2023-11-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

On XX/XX/2023, I initiated the dispute process with Credence Resource Management , LLC, by requesting verification of the debt, a proof of the Contract signed and authenticated. My request was made in accordance with my rights under the FDCPA. In my letter, I disputed the alleged {$1300.00} debt that Credence Resource Management , LLC, is attempting to collect, and I requested a copy of a signed contract. Additionally, I explicitly requested that they cease and desist all collection activity, including credit reporting, and delete any and all reporting made to any consumer credit reporting agencies. 

However, Credence Resource Management , LLC, has failed to comply with my very specific legal requests and has instead engaged in the following actions : XXXX. Failure to Provide Verification of Debt : Credence Resource Management , LLC, failed to obtain and send verification of the alleged debt as required by the FDCPA. Instead of providing a SIGNED CONTRACT or agreement signed by all parties involved, as I had requested, they mailed me an XXXX XXXX XXXX bill. This XXXX XXXX  XXXX bill does not contain my full name, and the amounts listed on the bill differ from the disputed account they placed on my credit report. The XXXX XXXX XXXX XXXX provided by Credence Resource Management , LLC, is not a contract or agreement and is nonresponsive to my verification request. This is a violation of the FDCPA, as it is unfair and unconscionable to attempt to collect an alleged debt without providing the requested verification. 

XXXX. Failure to Cease and Desist Collection Activity and Credit Reporting : Credence Resource Management , LLC, also failed to cease and desist all collection activity and credit reporting, as I had expressly requested in my dispute letter. Under the FDCPA, it is considered a false, deceptive, or misleading representation to communicate false credit information to any consumer credit reporting agency. Despite my request, Credence Resource Management , LLC, continued their collection efforts and did not remove the disputed alleged debt from my credit report. 

Furthermore, I am deeply concerned that my personal information was released to a third party without my consent or knowledge, which raises additional privacy and compliance issues. 

Due to Credence Resource Management , LLC 's actions, my family and I have experienced significant stress, frustration, credit damage, and associated costs. They have disregarded the opportunity for an amicable resolution without litigation.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

i have sent in professional " METRO 2 COMPLIANCE '' letters to the bureaus to dispute negative/ incorrect accounts and inquiries on my credit profile and they have not sent me any updates nor updated any of accounts as " under dispute '' They are ignoring these letters and are refusing to accept my letters as a form of dispute. According to FCRA I have the right to mail in disputes. They are violating LAW
Consumer complaint received 2023-12-22
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. (TX)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-06-23
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)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following 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 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.
Consumer complaint received 2023-11-29
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. (MA)

Dear [ CFBP ], I hope this letter finds you well. I am writing to bring to your attention a matter of great concern regarding my disputed XXXX XXXX XXXX and XXXX XXXX accounts. I have repeatedly disputed these accounts on various dates, including XX/XX/XXXX and XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XXXX, XXXX. 

To my dismay, despite my efforts to rectify the situation, Experian, the credit reporting agency, has put both accounts back on my credit report without any prior notification. This is highly concerning as it directly undermines the accuracy and integrity of my credit history. 

It is important to note that XXXX was successfully deleted from my report on XX/XX/XXXX, and XXXX was likewise removed on XX/XX/XXXX. Having provided Experian with all the necessary documentation to support my claims and ensure the removal of these accounts, I find it deeply troubling that they have been reinstated without any valid reason or explanation. 

I kindly request your intervention in this matter. I believe it is crucial for the CFBP to be aware of these unfair practices, as they not only affect my personal financial standing but also potentially harm other individuals who may be facing similar situations. 

I urge the CFBP to thoroughly investigate this matter and ensure that Experian adheres to the highest standards of accuracy and accountability when handling consumer credit information. Additionally, I kindly request that Experian be instructed to promptly remove the disputed XXXX XXXX XXXX and XXXX XXXX accounts from my credit report, given the evidence and documentation I have already provided. 

Thank you for your attention to this matter. I trust that the CFBP will address this issue with the utmost urgency and provide a fair resolution.