davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Unique Management Services, Inc (MD)

Unique Management Services XXXX XXXX XXXX XXXX XXXX, IN XXXX Dear Unique Management Services, I am writing to dispute the validity of the alleged debt associated with account numbers XXXX XXXXXXXX and XXXX XXXX, which your agency claims I owe in the amount of {$63.00}. This dispute is in accordance with the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 et seq. ] and the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ]. 

I received your communication dated XX/XX/year>, regarding this matter, which I received on XX/XX/year>. This delay in communication violates the FDCPA 's provision regarding timely notification of debt validation [ 15 U.S.C. 1692g ]. Therefore, I demand immediate verification of this debt. 

Furthermore, I must emphasize that I do not own property in XXXX XXXX XXXX, as your agency claims. This inaccurate assertion raises serious concerns about the accuracy and validity of your collection efforts. I hereby request verification of the debt, including an original signed document demonstrating my obligation to repay. 

In accordance with the FCRA and FDCPA, I request the following : 1. Verification of Debt : Please provide detailed verification of the alleged debt, including the original signed agreement, itemized statements, and any other documentation proving my liability [ 15 U.S.C. 1692g ].

2. Accuracy of Information : Ensure that all information provided regarding the alleged debt, including the purported ownership of property, is accurate and substantiated by verifiable evidence [ 15 U.S.C. 1681s-2 ].

3. Timely Notification : Adhere to the FDCPA 's requirement for timely notification of debt validation, as any delay beyond the stipulated timeframe is considered a violation [ 15 U.S.C. 1692g ].

Failure to comply with these requests within the specified timeframe will result in further action to protect my rights under the FDCPA and FCRA. Any continued attempts to collect this debt without proper verification will be considered a violation of federal law. 

I expect your prompt attention to this matter and a timely response in compliance with the applicable statutes. Please provide all requested documentation and cease all collection activities until the validity of the debt is verified. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC (CA)

XX/XX/2024 : This XXXX debt is 7-8 years old and was purchased by Calvary. The debt is for less than {$3000.00}. Either Calvary or a third party called me and left a legal message. They said they are filing a case in XXXX XXXX. Then they called my ex-husband, leaving the same message. We have not been married or spoken for 10 years. They should not contact him for anything. That cant be lawful or ethical. The message they left, for my ex-husband, included my address. This is obscene. There is a history that exists, whereby he should not have my address. Not safe for me. 
Their number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I called them. They have my name incorrect. I have never been XXXX XXXX XXXX. XXXX hasnt been my last name for 10 years. They demanded I confirm my date of birth and last 4 of my social before telling me any info. I told them they shouldnt call someones ex-husband but they claimed we were connected. We are not connected in any way whatsoever. I confirmed that I was aware of this XXXX year old debt and hung up.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX is reporting LATE PAYMENTS, Account # XXXX According to 15 US Code 681s-2, 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, and therefore a violation!

Late payments are ILLEGAL according to 15 US Code 1681a ( 2 ) ( 1 ), AND THEREFORE MUST BE REMOVED TO CURRENT.
Consumer complaint received 2023-11-14
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 never gave XXXX, Experian, or XXXX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. I have made multiple attempts by phone and mail to resolve the matter but they continue to negatively effect my livelihood, reputation, and ability to secure credit. 

They do not have any permissible purpose to furnish my personal information to any third party as I have the right to privacy per 15 USC 1681a. 

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I am aware of my federal rights as a consumer now. The company, and or agents are negatively affecting my ability to secure credit/loans. Furthermore, a charged off account is in tern considered income for the company in respect for tax purposes and income can not be furnished on a consumer report either. Again, this is not a request that the below referenced accounts/items be removed from my consumer report, but rather a DEMAND. I'll allow 15 days from receipt of this complaint to comply and remove the listed accounts before I begin to take legal action, seeking the highest remedy and resolution in court. 

As a consumer, I am demanding a deletion of the following account ( s ) : 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 2023-11-14
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)

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  Account XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am disputing some items that need to be deleted. I have highlighted the disputed item on the attached copy. The reasons why these items should be deleted are indicated below : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reason for deletion : Reporting late payment. However, the account has never been late. Investigate and remove ALL late payment history. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days.
Consumer complaint received 2023-11-14
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. (LA)

I am reaching out as I have previously disputed unauthorized inquiries on my credit report from Experian, XXXX and XXXX. 

None of the unauthorized inquiries were removed and no documentation was provided. 

I am demanding to have the inquiries deleted abd have reached out to the bureaus again to request them to be deleted. 

See attached letter
Consumer complaint received 2023-03-16
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)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. Accounts 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 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

Not only has Experian taken extraordinary lengths of time, beyond the FCRA requirements of 30 days, to dispute results on my credit report, they are making any sort of dispute on the report nearly impossible to carry out. When I call the XXXX number, unlike most consumers, who have opportunity to dispute issue with a general rep, Experian makes me ( XXXX military vet ) have to take extra steps to rectify my problem. I have to call a special phone number with very limited hours to dispute anything. Experian calls this the consumer advocate team. This team makes consumers who complain to CFPB, go extra lengths to dispute because they are considered problem customers, so they make it more difficult for them to dispute. Experian is not only taking advantage, scamming consumers but they are committing fraud against military vets, both disabled and able bodied alike. 

- They are making accounts reappear after they are removed from the account. 

- XXXX XXXX, balance - {$31000.00} was removed and reappeared - XXXX - Closed account, listed as fraudulent account that was removed months ago and reappeared again ( {$410.00} balance ) - XXXX - current, XXXX balance, never late - Placed XXXX  credit card on my report with a XXXX balance, that was allegedly open on XX/XX/XXXX, with a {$400.00} dollar credit limit. I have an account with target, a retail credit card with a {$200.00} dollar limit, XXXX balance, current, never late, opened on XX/XX/XXXX THESE ACCOUNTS DISAPPEARED REGARDLESS OF BEING POSITIVE. EXPERIAN GOING OUT OF THEIR WAY TO DELETE POSITIVE INFO XXXX  Personal Line of Credit Credit Limit {$10000.00} Open Account Never Late Opened - XX/XX/XXXX Balance - {$0.00} Account # XXXX XXXX XXXX XXXX Credit Card ( revolving credit ) Credit Limit - {$25000.00} Open Account Never Late Balance - {$0.00} Account # XXXX XXXXXXXX XXXX XXXX Credit Card ( DO NOT CONFUSE THIS WITH THE XXXX   CREDIT CARD THAT WAS RECENTLY DELETED WITH A {$490.00} BALANCE ) THIS ACCOUNT HAS A {$0.00} BALANCE CREDIT LIMIT {$200.00} OPEN - XX/XX/XXXX REVOLVING CC RETAIL CREDIT CARD {$0.00} BALANCE NEVER LATE OPEN ACCOUNT XXXX CREDIT CARD CREDIT LIMIT- {$500.00} NEVER LATE OPEN REVOLVING CREDIT CARD XXXX XXXX XXXX XXXX  CARD OPEN ACCOUNT - XX/XX/XXXX XXXX CREDIT LIMIT CREDIT LIMIT HIGH - XXXX XXXX BALANCE
Consumer complaint received 2023-11-14
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. (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. 

Account Name : XXXX Account XXXX Account Name XXXX XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2018-11-20
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. (NY)

Transunion deleted positive information, at the same time as deleting other information on my credit report. Transunion also mailed me a letter stating they could not find information about XXXX XXXX XXXX. My name is XXXX XXXX, no middle initial. They have been reporting XXXX XXXX for many years. In fact, when I log onto the Transunion dispute website, my name is displayed as XXXX XXXX. This needs to be consistent, across the board, when it comes to my credit report. According to credit report # XXXX, issued on XX/XX/XXXX, Transunion states Re : Unable to locate credit report. Fix my name and add the following positively reflecting accounts that were improperly deleted from my file. 

XXXX XXXX Retail Credit Card Revolving Credit Credit Limit -  {$4700.00} Never Late Open account Opened - XX/XX/XXXX Balance - {$0.00} XXXX Personal Line of Credit Credit Limit {$10000.00} Open Account Never Late Opened - XX/XX/XXXX Balance - {$0.00} Account # XXXX XXXX XXXX XXXX Credit Card ( revolving credit ) Credit Limit - {$25000.00} Open Account Never Late Balance - {$0.00} Account # XXXX XXXX XXXX XXXX Credit Card ( DO NOT CONFUSE THIS WITH THE XXXX   CREDIT CARD THAT WAS RECENTLY DELETED WITH A {$490.00} BALANCE ) THIS ACCOUNT HAS A {$0.00} BALANCE CREDIT LIMIT {$200.00} OPEN - XX/XX/XXXX REVOLVING CC RETAIL CREDIT CARD {$0.00} BALANCE NEVER LATE OPEN ACCOUNT XXXX CREDIT CARD CREDIT LIMIT- {$500.00} NEVER LATE OPEN REVOLVING CREDIT CARD XXXX XXXX XXXX RETAIL CARD OPEN ACCOUNT - XX/XX/XXXX XXXX CREDIT LIMIT CREDIT LIMIT HIGH - XXXX XXXX BALANCE
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (PA)

I requested JP Morgan chase to close my account multiple times. I have been told the account was closed, and it has not. I submitted a written request by mail to ask that my account be closed. The written request was not acknowledged. I would like my account to be closed.
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: WELLS FARGO & COMPANY (MI)

In accordance under the fair credit reporting act this creditor has violated my rights. Under 15 U.S. Code 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I am not a credit repair company, and Im filing this complaint on behalf of myself and no one else, or any company has provided me with any assistance.
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CarMax, Inc. (TX)

Please be advised that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. 

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA- you are required to ... promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Please delete this account from my credit report at once. 

XXXX with account number XXXX I never received the required paperwork regarding where this was sold, how much, balance, etc. This is required by federal law and its a violation to continue reporting it! You didnt do a proper investigation and I can see that this account wasnt even updated in the status update date. Account information across bureaus does not match and as a result is pulling my score down drastically! Its a violation to continue reporting!
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX whose collection agency is XXXX XXXX is reporting a collection amount of a {$0.00} balance and was paid in full. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, Experian, and XXXX respectfully. Thank you in advance for your attention to this matter.
Consumer complaint received 2023-11-14
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. (MD)

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. FAIR COLLECTIONS AND OUT XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. i have no knowledge of these above accounts and/or i believe these account were open without my permission. some of these accounts also are reported wrong and should be removed immediately.
Consumer complaint received 2023-11-14
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. (NV)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a XXXX party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2021-05-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NC)

I was in an approved COVID-19 Forbearance Plan for the past 12 months. At the conclusion of the plan I finally was able to talk to a Loancare representative and completed a questionare process to be considered for a loan modification ( due to fact that I have a federally owned mortgage ) which I was advised that I was being approved at current market rate ( which as of XX/XX/2021 was in the 2.5 % range ). I never received a loan modification and was put on deferral plan as of XX/XX/2021 and my loan servicing was transferred to XXXX XXXX on same date. 

Loancare should be held accountable for these actions and I should receive the loan modification at the rate and terms promised by the service advisor. 

XXXX XXXX XXXX XXXX