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

This company sent me letters and I have never heard of them before. When I have sent them the letter below, which includes the law, they totally ignore what I'm saying and just resend the same exact information as before. They do not appear to want to adhere to the law. I sent this company this letter- which was the 2nd Notice dated XX/XX/2023 and they still have not done anything to get this off my credit as it is illegal. 

YOU ARE REQUIRED BY LAW UNDER THE FCRA that any and all accounts which are in your system regarding XXXX XXXX XXXX are fraudulent. There is no contract or application with you and pursuant to the Fair Credit Reporting Act, a contract/application between both parties must be in place in order for anything to be reported to a credit bureau XXXX 

609. Disclosure to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 2 ) Summary of rights to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section.

( E ) a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 306 or can not be verified.

( 2 ) Verification ( B ) of the information in the consumer 's application for the credit or insurance, to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability.

You have NOT provided me a copy of ANY ORIGINAL DOCUMENTATION REQUIRED WITH MY SIGNATURE ON IT, NO CONTRACT BETWEEN MYSELF AND YOU. Under Section 311 ( 5 ) ( A ) of the FCRA you are required to provide this to me!

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

AS YOU STATED IN YOUR LETTER, YOU ARE NOT AN ENTITY WHICH HOLDS A CONTRACT WITH ME. I DO NOT HAVE A CONTRACT WITH YOU. BY LAW, YOU ARE REQUIRED TO REMOVE ALL CLAIM TO ANY DEBT FROM MY CREDIT ACCOUNT. THERE IS NO VERIFICATION OF AN ACCOUNT WITH YOU IN THE PACKAGE YOU SENT TO ME. YOU CLEARLY STATE YOU ARE A DEBT COLLECTOR AND I HAVE NO CONTRACT WITH ANY SUCH COMPANY.

It is imperative you inform all Credit Bureaus XXXX, XXXX and XXXX immediately! 

This is still on my Credit Report with nothing being done about it by the Bureaus or by the company that is fraudulently reporting something that is absolutely false.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2022-11-10
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. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

i have already disputed these items with the credit bureaus but they did not remove them or prove validation. 

Sec. 602 State, I have a right to privacy. 

XXXXXXXX XXXX Account Number : XXXX OFFICE OF THE ATTY GEN Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX US DEPT ED Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-03-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Money {$12000.00} sent by wire transfer to scammer through Bank of America on XX/XX/24 at XXXX XXXX 
Notified by email by medical board about the scam on XX/XX/24 at XXXXXXXX XXXX  Called Bank of America and reported the scam on XX/XX/24 at XXXX XXXX 
Also called and informed about the scam to receiving bank in XXXX. 
Filed a e report with XXXX XXXX police XX/XX/24 and they confirmed that they were starting the process of freezing recipient account Filled FBI IC3 form for wire scam XX/XX/24 Went in person to FBI local office and informed on site FBI agent and gave him all the information on XX/XX/24 Called Bank of America back on XX/XX/24, spoke with supervisor XXXX and informed her about all the steps taken.
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I recently just received a copy of my credit report and have noticed that you reporting me as late on an account for which I have been late. Could you please investigate this matter as soon as possible, as it is a serious issue for me and my credit score? I can assure you that I have never been late on this account.
Consumer complaint received 2024-03-15
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)

On XX/XX/XXXX I have contacted the consumer reporting agency known as XXXX. I have looked at my credit report and notice some inquiries on my consumer report. I have asked the credit agency to provide the method they used and the companies that have placed inquiries on my consumer report. I do not recognize them at all. I am a victim of identity theft and I have contacted the IRS about these and have filed a whistle blowing from for the IRS to investigate on XXXX so that they are audited for these inquiries and accounts that I have listed in this message. Now I would like to add this and please read carefully. Please provide who placed this inquiry, who you spoke to do do the investigation on my report, whom placed this on my consumer report. What does permissible purposes mean? 
The Fair Credit Reporting Act ( FCRA ) includes a section known as permissible purpose. It establishes the need for written consent or documentation from the consumer before a financial institution can pull the individual 's credit report. Permissible purposes of consumer reports, To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; This is a major violation by obtaining my consumer report including my personal information which is private property and if you don't have my consent, you shouldn't be using my information without my consent and my privacy should be kept confidential. If you continue to use my information and my name fraudulently I will contact the IRS to do an audit on this company. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is my numerous 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX , XXXX XXXX , XXXX XX/XX/2021
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-10-17
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. (MO)

Experian, XXXX and XXXX have reported unauthorized collections and hard inquiries on my credit reports.I havent giving them access to my credit profile to give to third parties with my private and personal information without my hand written consent under the permissible purpose by law stating that its okay to report on my credit reports they are reporting illegally inaccurate false information about me these three companies above is violating my consumer rights to privacy persuant to 15 usc 1681b. I want all negative items from my credit report removed.
Consumer complaint received 2023-09-19
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. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-07-13
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-03-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (PA)

I am writing to file a formal complaint against Credit Collection Services regarding their handling of a purported debt on my credit report. I have recently discovered an entry on my credit report from your agency, which alleges that I owe a debt of {$550.00}. However, I have not received any prior notification regarding this debt, nor have I been given an opportunity to address the account before it was reported to the credit bureaus. According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide consumers with written notice of a debt within five days of initial contact. This notice should include information about the debt, including the name of the creditor, the amount owed, and the consumer 's rights to dispute the debt. However, I have not received any such notification from your agency. Furthermore, I assert that I have not been given a fair opportunity to address the account before it was reported to the credit bureaus. As a consumer, I have the right to verify the accuracy of any debt reported on my credit report and to dispute any inaccuracies. However, your agency has failed to provide me with this opportunity. In accordance with my rights under the FDCPA, I hereby request that you provide me with the Certified Mail Receipt containing my signature, which purportedly confirms that proper notification was sent to me.
Consumer complaint received 2024-04-03
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-10-17
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: Experian Information Solutions Inc. (PA)

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-26
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)

I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Consumer complaint received 2023-08-01
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX {$610.00} XX/XX/XXXX
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

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 2024-03-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (MI)

Email : XXXX XX/XX/2023 Credit collection service Subject : Request for More Information and Removal of Debt Information Dear Sir/Madam, I am writing to address the matter of a debt that has been attributed to my name and request further information regarding its origin and validity. Additionally, I kindly request the removal of this debt from my records if it is found to be inaccurate or unsubstantiated. 

To provide you with context, I recently viewed my report, and saw your agency regarding a debt allegedly owed by me on XXXX XXXX for {$150.00} However, I have no recollection or knowledge of any outstanding debt with the account mentioned. Therefore, I am requesting detailed information related to this debt, including the original creditor 's name, the date of the debt, and any supporting documentation available. 

I am exercising my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) to obtain accurate and specific information regarding the alleged debt. It is crucial for me to fully understand the nature and legitimacy of the debt to ensure that I can take appropriate action if necessary. 

Furthermore, I would like to emphasize that if, upon reviewing the provided information, it is found that the debt is inaccurate or lacks sufficient evidence, I request that you remove this debt from my records and cease any collection activities associated with it. Please note that the FDCPA obligates debt collectors to ensure the accuracy of the information they report and to provide verification upon request. 

I kindly ask you to provide me with the requested information within 30 days of receiving this letter. Additionally, I request that all collection activities regarding the mentioned debt, including phone calls, letters, or any other form of communication, are put on hold until I have received and reviewed the necessary documentation. 

Please provide all correspondence in writing to the email at XXXX. I appreciate your prompt attention to this matter and expect your cooperation in resolving this issue promptly. 

Thank you for your understanding and cooperation. I look forward to receiving the requested information and an update on the status of this debt. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-19
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (SC)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX acct : XXXX and XXXX XXXX XXXX : XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat c payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the fair credit Reporting act XXXXXXXX XXXX XXXX XXXX acct : XXXX XXXX XXXX XXXX acct : XXXX and XXXX XXXX XXXXXXXX : XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat c payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (OH)

removed connsumer statement and fraud alert without consent on credit report while chaging address to a Michigan address that no creditor is reporting. 

I reported a change of address to all creditors in XXXX, XXXX, XXXX, and added consumer statement with fraud alert in XX/XX/XXXX and that was deleted along with fraud alert.
Consumer complaint received 2024-03-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (FL)

I don't recall having a contractual relationship with this collection company CHOICERECOV. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-03-14
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: Experian Information Solutions Inc. (GA)

I noticed unauthorized inquiries on my credit report that i would like to remove off my credit report. 

Experian 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