davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-24
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: Resurgent Capital Services L.P. (AL)

LVNV FUNDING LLC is in violation for stated codes below. Company has no permissible propose to furnish my consumer report according to the FCRA. None of the permissible proposes provided below are reasons that company is providing my consumer report to other CRAs. 

The FCRA prohibits CRAs from furnishing consumer reports except for certain permissible purposes, Section 604 ( a ), 15 U.S.C. 1681b ( a ), and prohibits persons from obtaining consumer reports for any reason other than those permissible purposes, Section 604 ( f ), 15 U.S.C. 1681b ( f ). Additionally, a user must certify truthfully that it is obtaining the consumer report for a permissible purpose. Section 604 ( 1 ) ( 2 ), 15 U.S.C. $ 1681b ( 1 ) ( 2 ).

33. The FCRA restricts requests for consumer reports to the permissible purposes enumerated in Section 604 ( a ), 15 U.S.C. 1681b ( a ). Pursuant to the limitation in Section 604 ( f ) of the FCRA, 15 U.S.C. 1681b ( f ) : " A person shall not use or obtain a consumer report for any purpose unless.. 
the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished.
Consumer complaint received 2023-01-02
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: Experian Information Solutions Inc. (OH)

I have tried several times with all the credit reporting agencies and with this company to get my credit report 100 % accurate! This is extremely frustrating and not fair that neither of these companies are helping me in any way!!! This is the United States LAW to have my credit file XXXX XXXX accurate! You are also failing me by NOT HELPING ME get this XXXX XXXX  accurate! I have even sent you ALL THE LETTERS of me trying to communicate with this company and each of the credit reporting agencies. I will ask you XXXX last time to help me get my report XXXX XXXX accurate before I contact a lawyer!! Thank you so very much and I look forward to hearing from you and knowing that you will get this corrected!!
Consumer complaint received 2023-08-24
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: Southwest Credit Systems, L.P. (NY)

Southwest credit systems posted on my XXXX and XXXX credit reports a debt which they acknowledged i owe southwest credit systems the amount of $ XXXX.Southwest credit systems indicates in the credit report agencies that it account was opened on XX/XX/2023 and is in open status as XX/XX/XXXX XXXXSo I demand southwest credit systems to formally show me the original copy of the contract agreement which i signed to this debt with Southwest credit systems and if they cant they need to erase derogatory marks from my credit report.thank you
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

1. *XXXX XXXX XXXX  XXXX XXXX XXXX Status : 90 Days Late - Balance : {$480.00} 2. XXXX XXXX XXXX Sales Contract** - Status : 120 Days Late - Balance : {$230.00} 3. XXXX XXXX XXXX XXXX - Status : 120 Days Late - Balance : {$450.00} 4. XXXX Installment Sales Contract** - Status : Collection/Chargeoff - Balance : {$0.00} 5. XXXX XXXX Charge Account** - Status : 120 Days Late - Balance : {$320.00} 6. **XXXX  XXXX  XXXX** - Status : Not Reported Collection/Chargeoff - Balance : {$220.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : - [ ] A copy of my credit report I received from your company. The fraudulent items are listed above. 
- [ ] Copies of my debt validation letters to XXXX, XXXX, and XXXX XXXX XXXX  - [ ] A copy of my Identity Theft Report and proof of my identity. 
- [ ] A copy of my Social security Card - [ ] A copy of my Police Report - [ ] A copy of XXXX  XXXX XXXX  account validation response - [ ] A copy of XXXX  account validation response - [ ] A copy of XXXX XXXX account validation letter from original creditor XXXX XXXX validation response - [ ] A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Consumer complaint received 2023-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (FL)

Hello, i have been trying to communicate with these 2 collection companies for over a year now. They refuse to send me any paperwork from the origional creditors and keep changing the items from the pictures below. I've spent some time reading your regulations and they are breaking them all. The accounts are 6 years old, so over the state statute of limitations and they are not listed correctly with so many of these lines listed on my report.. These accounts must be deleted per your rules and regulations. They call and threaten me all the time, i tell them to stop calling and they call from other numbers. Can you please force them to remove these from my report for breaking your rules?
Consumer complaint received 2017-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NC)

I did not sign up for Experian credit monitoring service. I went online to get my credit report. The box asking me if I would like to sign up for the monitoring service was automatically checked with the application. I unchecked it. I called Experian and I explained to them that I did not sign up for the monitoring service. They refuse to refund me for the fraudulent taking of money out of my account in  XXXX  and  XXXX .
Consumer complaint received 2023-06-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (WA)

Summary : Unvalidated Charges/ Debt being pursued by Collection Agency. 

I called the collection agency IQ Data listed on a notice letter within 30 days of receiving. They were unable to provide details or validity of the claims/debt owed, nor was their client : XXXX XXXX XXXX XXXX ( original creditor ). However, please note, the notice letter I received from IQ Data ( attached in the document section ), reads the original creditor listed as XXXX XXXX XXXX XXXXXXXX. 

I mailed a dispute response to IQ Data, sent Certified Mail on XX/XX/XXXX to the address for XXXX XXXX @ XXXX XXXX XXXX XXXX WA XXXX listed on the notice letter received on XX/XX/XXXX - requesting validity of this debt being pursued. I should also mention, that XXXX of XXXX did not send notice alerting me of potential collection action at any time prior to receiving notice of Collection action from IQ Data. 

Additionally, I provided all of my email communication with XXXX XXXX XXXX  and their responses, clearly demonstrating their inability to validate the charges being pursued. Since mailing my dispute over 10 months ago, I had not been contacted in any form ( mail, email, phone ). Nor did I receive a formal response after delivery of my initial dispute letter. 

Subsequently, I received an alert of collections action on my XXXX XXXX XXXX indicating derogatory account notification due to IQ Data collection assignment. 

I sent another dispute letter via certified mail to IQ Data on XX/XX/XXXX. I called the collection agency once again, who confirmed receipt of both disputes, and stating they would mail me proof of validity ( after trying to collect payment in exchange for an instance email providing validity ). My last conversation with the collection agency was demeaning and highly insulting. They have continued to harass me, calling me during my work hours. 

I have diligently strived to maintain top notch credit history, and have had XXXX blemishes on my history prior to this invalid debt being pursued. To this date, neither the original creditor, nor IQ Data has been able to provide validity of the debt being pursued. If there had been objective, empirical evidence provided at any time since being pursued for this supposed debt, I gladly would have paid it off without hesitation.
Consumer complaint received 2022-11-01
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX .... Balance : {$17000.00} ; XXXX XXXX XXXXXXXX XXXX .... Balance : {$5100.00} ; XXXX XXXX XXXX  XXXX XXXX .... Balance : {$2000.00} ; XXXX XXXX XXXX XXXX XXXX ... XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$2600.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$4600.00} ; XXXX XXXXXXXX XXXX .... Balance : {$1900.00} ; XXXX  XXXX XXXX. Balance : {$1900.00} ; XXXX  XXXX XXXX .... Balance : {$410.00} ; XXXX  XXXX XXXX .... Balance : {$3700.00} ; XXXX XXXX XXXX .... Balance : {$450.00}
Consumer complaint received 2023-08-24
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: TD BANK US HOLDING COMPANY (NY)

In accordance with the fair credit reporting act these creditors has violated my rights. Under 15 USC 1681 Sections 602 states I have the right to privacy. 15USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15USC 166B a creditor may not treat a payment on a credit card account under an open and consumer plan late for any purpose.
Consumer complaint received 2023-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Chime Financial Inc (IA)

I no it was in XXXX when this happened but I don't remember the dates and the amounts are a $ XXXX XXXX XXXX and $ XXXX XXXX app some one made those 2 purchases off my card that I didn't make and I let my card company no and nothing was done about my dispute that I made with them and I had got the run about it and they said it went back on my card which it never did and they stole my money and my 2 refunds that was supposed to go back on my card and never did and just a rebate dispute about it and getting the run about that and nothing has got done about that either and just call today not to long about it and still give me the run around. I have chime credit card and you can call them to get the dates and the information you need.
Consumer complaint received 2023-07-12
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. (NY)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-24
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: EQUIFAX, INC. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. The following personal information is incorrect Account Number : NAME : XXXX XXXX 2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-08-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (MO)

Everyday around the same time about XXXX a.m. I get a phone call from either a man or woman and it's always the same man or woman attempting to collect a debt I have repeatedly asked him to stop calling me and I get rude or remarks or hung up on
Consumer complaint received 2017-05-03
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: Experian Information Solutions Inc. (TX)

I HAVE SUBMITTED POLICE REPORT TO EXPERIAN and   XXXX   SEVERAL OCCASIONS AND DISPUTED ACCOUNTS IN   XXXX   THESE ACCOUNTS HAVE BEEN DELETED DUE TO FRAUD AND THEY  RE  APPEAR ON MY CREDIT FILE I WAS TOLD TO GET A NEW POLICE REPORT AND SEND BACK TO THEM I HAVE DONE THAT AND I AM GETTING NO WHERE WITH EXPERIAN IN REMOVING THE ACCOUNTS THAT CAME BACK AND ACCORDING TO TH FTC I DID NOT RECEIVE A  XXXX  DAY NOTICE ON THE REAPPEARING ACCOUNTS THAT FRAUDULENT
Consumer complaint received 2023-01-02
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. (IL)

On XX/XX/2022 I sent a letter to XXXX and Transunion asking them to investigate the source of information found in my public record section of my credit report. I received the results stating it was reported by XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX. I sent a letter to both the XXXX district courthouse and XXXX XXXX. Both the courthouse and XXXX XXXX has no record of supporting the results sent from XXXX or TransUnion. According to the XXXX  all information on my credit report must match and be accurate. XXXX has not public record reporting and this is a violation from XXXX AND TRANSUNION reporting false and inaccurate information on my credit report. They have not validated the information on my credit report accurately and I am asking for immediate removal of FRAUD, inaccurate public information on my credit report. I was XXXX  the time this Fraud information was attached to my name. I have sent proof to both XXXX and TransUnion showing I am a victim of IDENTITY THEFT, and I did not authorize anyone to use my name to obtain goods or services in my name while incarcerated. XXXX  XXXX # XXXX showing on XXXX is not accurate and needs to be REMOVED asap for accuracy. XXXX  XXXX # XXXX on Transunion is inaccurate and needs to be REMOVED asap for accuracy. All information must be accurate on all my reports and it's not. Please Uphold the FCRA credit laws as they should be held accountable. This is not an error or mistake me asking for the information to be immediately removed. Please see attached documents for proof.
Consumer complaint received 2023-01-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (SC)

On XX/XX/XXXXXXXX XXXX I purchased a XXXX Visa gift card from my local XXXX Pharmacy store. The gift card amount was for {$500.00}. I used cash to pay and the total amount with activation fee included was {$500.00}. The receipt showed the card was activated and checking the gift card balance shortly after the purchase showed the correct amount of {$500.00}. 

However, I have tried making multiple purchases through different vendors and none of them can be processed. A similar error shows up during each attempted purchase. Either it's an invalid billing detail error or payment error. 

I have repeatedly tried contacting XXXX to get in touch with a customer service representative and can not get in touch with anyone. I have left messages but the phone number provided on the back of the card is fully automated and never helps resolve the issue. They do not provide any other contact information on their website. 

The purchases I have attempted were all through reputable companies where these Visa Gift cards are widely used and accepted. The first one I tried was on XX/XX/XXXX for the amount of {$470.00}. And it was declined for invalid billing details. The most recent attempted purchase was XX/XX/XXXX for the amount of {$290.00} and was declined for payment error. As of XX/XX/XXXX, the gift card balance shows {$500.00} on their website XXXX
Consumer complaint received 2017-05-03
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: EQUIFAX, INC. (GA)

I have wrote letters, faxed, and spoke with representatives concerning my credit report. There are frivolous inquiries on my credit report, and accounts that are closed that should no longer be appearing on my credit. There are  XXXX  judgements which are paid in full that is still showing on my report. There is also a bankruptcy that should not be on my credit report. This is all with equifax,  XXXX , and  XXXX !!!!! I keep getting the run around and Im tired .... there is like a thousand address/ names etc that I want updated also. Please HELP!!!
Consumer complaint received 2023-08-23
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: CCS Financial Services, Inc. (TX)

( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC1681 section 604 a section 2 states " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : by the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) The financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they indeed do not have my written permission. Any consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) 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 explained how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) 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.

" 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. XXXX and XXXX are 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 2023-07-12
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. (IN)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , IL XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$6400.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.