davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-24
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)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a 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 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 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 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. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX 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. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' 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.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2023-11-24
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. (DE)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
: XXXX XXXX XXXX  XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : - Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$3600.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$410.00} Date Opened:XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened:XX/XX/XXXX XXXX XXXX XXXX Balance : {$1800.00} Date Opened:XX/XX/XXXX XXXX XXXX Balance : {$6800.00} Date Opened:XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1300.00} Date Opened:XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-11-24
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Manhattan Beach Venture, LLC (AR)

Employer name ] [ Street Address ] [ City, State Zip Code ] [ Date ] Subject : Proof of Income Letter for [ Name of employee ] Dear [ Name of landlord or apartment community ], Please accept this letter as proof of income and verification of employment for [ name of employee ] at [ name of employer ]. [ Name of employee ] joined our team in [ month and year of employment start ], and currently holds the position of [ job title ]. [ Employee name ] is a [ full-time/part-time ] employee who earns $ [ dollar amount ] per [ week/month/quarter/year ]. 

Please feel free investigate the information that is not correct And proof of payment from the past due date and time that I got a agreement with the company striking This off my records I don't know what This is
Consumer complaint received 2024-02-20
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Michel Law, LLC d/b/a Level One Law (FL)

They had me set up a separate account and pay {$200.00} twice a month into that account. It's called XXXX XXXX. They had a notary come to my house to sign the paperwork so it seemed legit. They told me to stop paying all my credit cards and they would try to settle out of them. I would pay less $ $ for less time as compared to my current credit card payments and interest. 
Since then I have been trying to get a hold of them to stay on top of things and let them know I'm getting notices from the cc companies. They are not even responding. Then I went to the internet to see if anyone reported this company as a scam and sure enough it has scam written all over it.
Consumer complaint received 2024-02-20
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: 2233 Paradise Road LLC (TX)

This business is completely unethical and should be banned from collecting debts. They reached out to me about a debt back in XXXX and I fell behind on the settlement payments. I tried calling to come up with a new settlement after I fell behind on a payment and they were so rude, laughing at how I cant pay my debts. Apparently they charge XXXX XXXXXXXX {$50.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX If you have any questions or concerns, please contact the XXXX  assigned to your complaint : XXXX XXXX  XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX or ( XXXX ) XXXXXXXX XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX Page 1 of 4 fees for credit card payments after a miss credit card payment. I asked for documentation supporting this fee and they could not provide it. I then asked for validation of debt and they could not provide it. They will also impersonate a summoner XXXX XXXX letting you know theyre going to sue and serve you. They also did not disclose their company name in any communication, only going by XXXX XXXX  by voicemail, I had to look up the phone number on my statement to find the company name and also call outside of business hours to validate the company name via voicemail. Unprofessional, disgusting company.
Consumer complaint received 2023-09-05
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 XXXX  the following accounts have violated my consumer rights : XXXXDEPT OF EDU # XXXX XXXX XXXXDEPT OF EDU # XXXX 15 U.S.C. 1681 Section 602A : states that I have right to privacy.

15 U.S.C. 1681 Section 604 A Section II : states that a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2024-04-17
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. (MN)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (NM)

I did nothing they said there was nothing that can be done. I am filing this as i believe im owed part of the settlement they owe millions of people i have had account from XXXX  up until now.
Consumer complaint received 2022-01-07
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: EQUIFAX, INC. (TN)

Attached Personal Documents are My XXXX  and Utility Bill Listed accounts were placed onto my consumer report without my permission. 

XXXX XXXX # XXXX XXXX XXXX # XXXX SEE ATTACHED DOCUMENTATION
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. (FL)

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 2024-01-23
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: NAVY FEDERAL CREDIT UNION (OR)

I am the victim of ID theft, and filed an FTC ( XXXX ) Report, XXXX Police ( XXXX ) report XXXX XXXX police report ( XXXX ) and XXXX affidavits under oath XX/XX/XXXX - XX/XX/XXXX. Several Accounts have been opened in my name and charges made not by me. I filed a claim for relief under the the fraud and Id restoration services offered by my memberships to my XXXX and XXXX XXXX XXXX ( claim XXXX ). I have been supplied a diligent restoration support agent under XXXX XXXX XXXX XXXX whom is the silver lining of support. Unfortunately there are still XXXX accounts being reportedly negatively due to ID theft. I've supplied all the necessary evidence in dispute of the specific information due to fraud/larceny. The information was changed only to add new unverified, inaccurate and incomplete recordings. The enclosed file provide accurate and detailed information on this complaint. Thanks for facilitating.
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. (MS)

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00} for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" 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. '' Equifax, XXXX and XXXX etc. are 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 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 
15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 
313.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Consumer complaint received 2024-04-17
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. (CO)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2024-04-17
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. (CO)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2023-12-21
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (NV)

Formal Complaint Regarding Debt Collection Practices by Allied Collection under XXXX XXXX XXXX - XXXX  XXXX XXXX  I am writing to file a formal complaint against Allied Collection, acting on behalf of XXXX XXXX XXXX, regarding their debt collection practices related to an outstanding amount of {$1300.00} associated with The XXXX XXXX. The circumstances surrounding this debt are unique and necessitate your intervention. 

Account Information : Collection Agency : Allied Collection Original Creditor : XXXX XXXX XXXX - XXXX XXXX XXXX Debt Amount : {$1300.00} Incident : XXXX  XXXX situation involving XXXX XXXX XXXX XXXX Attached : Copy of the Police Report documenting the incident Summary of the Issue : The debt in question arose due to the termination of a lease agreement at XXXX XXXX XXXX following a XXXX XXXX incident involving my wife, XXXX XXXX XXXX XXXX. As per Nevada laws, individuals are allowed to break an apartment lease contract in such situations. 

Despite repeated notifications to Allied Collection about the circumstances surrounding the lease termination and the provision of supporting documentation, the company continues to report inaccurate information to credit bureaus. I have attached a copy of the police report detailing the incident for your reference. 

Requested Action : I kindly request the Consumer Financial Protection Bureau 's intervention to rectify this situation promptly. The inaccurate reporting by Allied Collection is not only a violation of my rights but also has a detrimental impact on my credit score and financial standing. 

I ask that you investigate the matter, ensuring that Allied Collection adheres to the appropriate legal provisions regarding lease termination due to XXXX XXXX situations. Additionally, I request the removal of the inaccurate information from my credit report. 

Enclosures : Copy of the Police Report I appreciate your immediate attention to this matter and look forward to a prompt resolution. 

Thank you for your assistance.
Consumer complaint received 2024-04-17
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. (LA)

. 
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 XXXX XXXX Account name : XXXX XXXX, Account name : XXXX Account name : All other negative accounts 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 XXXX 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 the15 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 XXXX 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 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

My my credit card XXXX it's not showing up on all three credit bureaus it's only showing up on XXXX and I have tried on numerous occasions I talked to both the Creditor and both XXXX and Transunion and they keep giving me the runaround one is telling me to contact the Creditor and one is telling me to contact the credit bureau I have tried on numerous occasions to get this to show on my credit report and I need this resolved now it's been past 60 days since XX/XX/XXXX ... .. this is unacceptable and all I need for them to do is put it on my credit report just like XXXX ..... I have three statements to show proof because each statement it gets reported to the credit bureaus.