davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-20
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. (TX)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westcreek Financial (IN)

Dear WEST CREEK FINANCIAL DBA, Per the FCRA, 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.
Consumer complaint received 2023-07-26
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. (TX)

XXXX is in violation of 15USC 1681 ( 2 ) ( A ) for reporting inaccurate information that I was not notified 5 days prior to the reporting of these inaccurate accounts listed in the dispute letters I sent. It has been over 60 days since XXXX has been notified of their violation of the above section as well as '15USC 1681a ( 5 ) ; for allowing these companies, ( who are also in several violations and have been notified ) to furnish the following inaccurate accounts on my consumer report, without providing me with an original signed consumer contract with written authorization requested to furnish these accounts as per '15USC 1681 ( b ) '. 

Company : XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXXXXXX  Company : XXXX XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXXXXXX XXXX  Company : XXXXXXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXXXXXX XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXXXXXX  Company : XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXXXXXX XXXX Account Number : XXXX Date added : XX/XX/XXXXXXXX XXXX  Company : XXXX XXXX  Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Their violations make these accounts inaccurate and by law they must be removed from my Consumer Report.
Consumer complaint received 2023-07-26
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-26
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2022-11-07
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. (MD)

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX DE XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX DE XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX, MD XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$44000.00} XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$31000.00} XXXX XXXX XXXXXX/XX/2021.
Consumer complaint received 2023-08-10
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. (MI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any of the following items on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXXXXXX XXXX  XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$830.00} ; XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} ; XXXX XXXXXXXX Balance : {$460.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$830.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$380.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$390.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-10-20
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX act # 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 an account without my written instructions 15 USC 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. 

The months in violation are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2023-12-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P. (NC)

I refuse to pay any debt to LVNV FUNDING LLC account # : XXXX, XXXX, XXXX, XXXX, and I'm challenging its completeness and accuracy based on violations under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). The relevant federal codes are 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) for false credit info, 15 U.S.C. sec. 1692e ( 8 ) for spreading false credit details, and 15 USC 1692d ( 1 ) & ( 2 ) for using threats and obscene language. 
There are also violations under 15 USC 1692F ( 7 ) & ( 8 ) for postcard communication and improper language/symbols. The breach of XXXX compliance is under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). I'm asking for immediate action, specifically deleting derogatory info from my consumer report. According to the FDCPA, I have the right to challenge false information, supported by proof of inappropriate language ( violating 15 U.S.C. 1692d ( 2 ) ) and deceptive debt collection tactics ( violating 15 U.S.C. 1692e ( 10 ) ). 
I want a quick resolution, and if not sorted within 20 days, I'll take it to the United States District Court XXXX XXXX of North Carolina.
Consumer complaint received 2023-07-11
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX Account ( s ) Name ( s ) and Number ( s ) : Account name : XXXX XXXX XXXX ; Account number : 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 an account without my written instructions.
Consumer complaint received 2023-07-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

XX/XX/23 made reservations and called Fifththird phone to verify transaction on express checking. I called XX/XX/23 to verify transaction for payment and credit and cancel reservation and the service rep asked me for money amount, instead of verification on Fifththird bank account. I told service rep date merchant and she only asked for amount of money transaction. I then explained what issues the merchant has and the purpose of my verification with Fifththird bank because fraudulent activity has been going on with the bank and my benefits involved with Fifththird bank employees. The service rep was not able to verify XXXX XXXX XXXX, Nor any other large purchases Company name transaction.
Consumer complaint received 2023-06-07
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. (CA)

This is my 2nd complaint that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me and I have doubts in their accuracy and the reported payment history on some accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

XXXX XXXX XXXX$550.00} non-sufficient funds ( nsf XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  {$380.00} XXXX Bank of America {$510.00} account abuse
Consumer complaint received 2023-07-26
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. (CA)

This is my one of 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX. Please delete these accounts ASAP.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (KS)

I'm compliant about Experian because not listings too XXXX XXXX and XXXX XXXX that we both told Experian that there no copy machine Any were in XXXX Kansas and Any were we both looking ever we're in XXXX Kansas and ever elses no copy machine Any were and any places so that what both Are compliant about they won't both of uses personal information to send to Experian but there XXXX we both can copy any things to Experian credit bureaus reports agent there no copy machine Any were that what we both was compliant About Experian needs to understand XXXX XXXX ever since States is difficult then then others states All of the Are not Sames so that what we both are compliant so EXPERIAN has to forget both usrs personal information just go ahead finish both of uses Everyone Deputes about XXXX XXXX XXXX XXXX vehicle loans contacts off without both of uses personal information that they need uses to Sends them so that what we both Are compliant right now so do not ask for XXXX XXXX and XXXX XXXX both personal information no mores just finish both of XXXXXXXX XXXX XXXX XXXX vehicle loans contacts off compliant without both of uses personal information to so that what both of uses are compliant
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

You have denied me for no reason. All reporting agencies have been notified and their response & or complaints are public record and can be viewed by using the information attached. I also contacted them via phone immediately after the denials and was told that EVERYTHING on this report across all bueros is correct and they have or will be updating information if necessary. When I tried to show proof of the errors or decision mistakes I was told " reconsidering is not an option '' " try again in 30 days- 6 months '' " it's a final decision and the results are automated '' " there is no department that can double check '' " the reason is the reason ''. I have proof of everything proving " the reason why '' list to be inaccurate BUT yet I can't even show it to anyone in this company because AI clearly rules it. That is illegal & unjust! I am a PRIME credit candidate and take my time, word, and finances very serious. Denying me without validated factual reason is deformation and a criminal act. I will file Suit if a reconsideration based off the attached report ( most up to date at the time of my application ) is not used in the decision process.
Consumer complaint received 2022-10-18
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)

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 XXXX Account # XXXX, Account name : XXXX XXXX XXXX Account # XXXX, Account name : Acceptance Now Account # XXXX, Account name : XXXX XXXX XXXX Account # 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 2018-12-08
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Select Management Resources, LLC (WI)

Notice of Fault and Opportunity to Cure and to Contest Acceptance To : XXXX RE : DEMAND IMMEDIATE RELEASE OF MY PROPERTY on Loan Number : XXXX Payoff Amount : {$1700.00} Collateral : XXXX XXXX XXXX XXXX Mileage : XXXX miles Value ( XXXX XXXX XXXX ) : {$1700.00} Respondent Dear Mr. / Ms. XXXX : 1. On XX/XX/XXXX, the undersigned Secured Party caused to be sent to you a SETTLEMENT PAYMENT which arrived to you on Date XX/XX/XXXX. This notice was sent by Certified Mail # XXXX and was delivered on XX/XX/XXXX. Per USPS XXXX Return Receipt in the possession of the Libellant, you did not respond with proof of claim. 
2. On XX/XX/XXXX, you were sent a Notice of Fault and Notice to Validate Debt Claim for the alleged creditors in dispute. This notice was sent by Certified Mail # XXXX. You did not respond accordingly. 

You illegally stolen my property and failed to perform after receiving these presentments, and you failed to perform by providing the requested and necessary PROOFS OF CLAIM after receiving the said FULL SETTLEMENT PAYMENT and Notice to Validate Debt claim from the undersigned.

As the Respondent, you are now in fault, and you are in agreement and have stipulated to the terms of the undersigneds dated presentment through your dishonor. You have the right to cure this fault and perform according to said terms within the ten ( 10 ) days from the receipt of this Notice of Fault.

Should you fail to cure your fault, I will establish an Affidavit of Default solidifying your agreement and failure to contest acceptance, and I will obtain a CERTIFICATE OF NON-RESPONSE pursuant to and relative to the UCC, state statute, and otherwise.

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-08-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JOHN GIBSON AUTO SALES, INC. (AR)

XXXX XXXX or John Gibson Auto- ( See attachment ) This company has placed a collection one my credit for the same account XXXX. I have tried to contact company and resolve the issue and they are refusing to resolve. The agent have also been very disrespectful and rude. I have tried to resolve and they are refusing to acknowledge the request. 

Why are they put this on my credit XXXX, and can not verify that this is me? I want this removed immediately. This has cause a delay in my house closing.
Consumer complaint received 2024-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MD)

This is is the XXXX XXXX this matter come before you each of the previous time it was investigated and removed however, this company name Jefferson capital still trying to extort me for an account that I previously dispute and was removed from my credit file because it was fraudulent. 
In XX/XX/XXXX, I was in the process of buying a house I gave permission to a mortgage company to run my credit, there was a fraudulent account on my credit report associated with XXXX under a company name allied collection service. I immediately contact XXXX, the three credit reporting agency, XXXX XXXX XXXX as well as filling a FTC fraud report ; the matter was investigated and was removed from my credit file on XX/XX/XXXX. 
This year a company name Jefferson capital system, called my phone XXXX times a day, I thought it was scam, after many calls and no messages I called them back. I was threating to pay them the money they said I owed on a sprint account, I told them I never have sprint. a few days later the account appeared on my credit file when I looked closely it is the same fraudulent account that I have previously disputed and was removed from my file in XX/XX/XXXX. I called XXXX which is now XXXX, the XXXX I spoke with told me that matter was resolved and I don't have any account with them. I reached out to the credit bureaus and the company nothing has been done. I believe that they are using this to extort money from me. 
I have had a identity fraud alert in my credit since XXXX after my identity was stolen and I have previously from several complaint with the FTC regarding this issue.