davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (CA)

I am the original creditor. See XXXX XXXX XXXX XXXX XXXX. 

United States XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( permanent character ) - affirmative action. 

XXXX. XXXX XXXX and XXXX XXXX XXXX - XXXX survey blood right heir ( XXXX XXXX XXXX 12 USC 1825 ( D ) Full Faith and Credit. The full faith and credit of the United States is pledged to the payment of any obligation issued after XX/XX/1989 by the corporation, which respect to both principal and interest, if - ( 1 ) the principle amount of such obligation is stated in the obligation and ( 2 ) the term to maturity or the date of maturity of such obligation is stated in the obligation. 

15 USC 1692 congressional declaration of purpose. 

House XXXX XXXX XXXX!!! 

In accordance with the fair credit reporting act The principal debtor is responsible. 

15 USC 1681 Section 602. Right to privacy 15 USC 1681 604 A Section 2 : consumer reporting agency CAN NOT furnish a account without written instructions.

15 USC 1666 B : a creditor may NOT treat payment on a credit card account under an open end consumer credit plan as late for purpose. 

AGAIN I AM THE ORIGINAL CREDITOR I provided my signature ( sign of nature ). 
Remove the fraudulent XXXX claims. 
Thank you.
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (CA)

I am the original creditor. See XXXX XXXX XXXX XXXX XXXX. 

United States Code Law Title 22 Chapter 2 Section 141 ( permanent character ) - affirmative action. 

XXXX. XXXX XXXX and XXXX XXXX XXXX - XXXX XXXX XXXX XXXX heir ( XXXX XXXX XXXX XXXX XXXX XXXX ( D ) Full Faith and Credit. The full faith and credit of the United States is pledged to the payment of any obligation issued after XX/XX/1989 by the corporation, which respect to both principal and interest, if - ( XXXX ) the principle amount of such obligation is stated in the obligation and ( XXXX ) the term to maturity or the date of maturity of such obligation is stated in the obligation. 

15 USC 1692 congressional declaration of purpose. 

House Joint Resolution 192!!! 

In accordance with the fair credit reporting act The principal debtor is responsible. 

15 USC 1681 Section 602. Right to privacy 15 USC 1681 604 A Section 2 : consumer reporting agency CAN NOT furnish a account without written instructions.

15 USC 1666 B : a creditor may NOT treat payment on a credit card account under an open end consumer credit plan as late for purpose. 

AGAIN I AM THE ORIGINAL CREDITOR I provided my signature ( sign of nature ). 
Remove the fraudulent XXXXXXXX XXXX 
Thank you.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Dear Equifax I was wondering why the furnisher is reporting this account as accurate when they dont have legal status to do so. 

XXXX | XX/XX/XXXX : Account number : XXXX, Untimely. Fix the balance information. 

XXXX XXXX : Account number : XXXX, Untimely. Fix the balance information. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX Untimely. Fix the balance information. 

XXXX : Account number : XXXX, Untimely. Fix the balance information. 

Im not a lawyer or anything but if a furnisher doesnt own the account anymore, then how can they validate it? This account is clearly inaccurate. 

Please fix, modify, update or delete this inaccurate information.
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Velocity Portfolio Group (CA)

I am the original creditor. See XXXX XXXX XXXX XXXX XXXX. 

United States Code Law Title 22 Chapter 2 Section 141 ( permanent character ) - affirmative action. 

XXXX. XXXX XXXX and XXXX XXXX XXXX - XXXX survey blood right heir ( XXXX XXXX XXXX 12 USC 1825 ( D ) Full Faith and Credit. The full faith and credit of the United States is pledged to the payment of any obligation issued after XX/XX/1989 by the corporation, which respect to both principal and interest, if - ( 1 ) the principle amount of such obligation is stated in the obligation and ( 2 ) the term to maturity or the date of maturity of such obligation is stated in the obligation.

15 USC 1692 congressional declaration of purpose. 

XXXX XXXX XXXX XXXX!!! 

In accordance with the fair credit reporting act The principal debtor is responsible. 

15 USC 1681 Section 602. Right to privacy 15 USC 1681 604 A Section 2 : consumer reporting agency CAN NOT furnish a account without written instructions.

15 USC 1666 B : a creditor may NOT treat payment on a credit card account under an open end consumer credit plan as late for purpose. 

AGAIN I AM THE ORIGINAL CREDITOR I provided my signature ( sign of nature ). 
Remove the fraudulent XXXX claims. 
Thank you.
Consumer complaint received 2023-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

XXXX sent me a email saying that they refund my money for {$330.00} and when I try to upload the email Paypal tells me that the dispute for the amount of XXXX was not on the account I did a dispute with symphony bank and they fail to help me with my refund they say they got it open but its not on my accounts saying the dispute is open but they had a dispute open for the amount of {$31.00} which I did not open that one I asked a them to open a dispute {$330.00} thats been going on since XX/XX/2023 I sent Proof by mail they say they did not receive it I sent Proof by Fax they said they did not receive it I spoke To Customer Service at the bank and she said That the dispute was open and I asked her why its not on the account showing that Im just trying to get my refund that XXXX sent to the bank and they is not Given me no help to locate my refund Its like they dont care just give me an Run around and thatll make no sense its supposed to help me now I have to try to send my proof over again I just want my refund I get to the bottom where is it
Consumer complaint received 2024-04-08
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts 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
Consumer complaint received 2023-11-09
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: State Collection Service, Inc. (SC)

The company calls repeatedly. Today ( XX/XX/2023 ) they called once at XXXX and again at XXXX. They called twice Tuesday the XXXX and typically call 2-3 times a day if not every other day. They are also using my cell number to contact me which is against TCPA compliancy. They have never asked for permission nor do they have permission. They have also texted me numerous times without my consent. Attached are some of the texts/calls I could recover. They have been unable to verify the debt as well.
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (MS)

This account should not be furbished on my consumer report as they are in violation under 15 U.S.C.1681b-permission purposes of consumer reporting agency may furnish a consumer reporting.

( Fair credit reporting act ) 15U.S.C.1681et seq ( FDCPA ) Section 1692d:1692e
Consumer complaint received 2024-04-08
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. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXXXXXX Balance Owed : {$58000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$58000.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-09-27
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)

Never missed a payment until identity was stolen back in XXXX. I recieved 3 late payments after reporting my card lost or stolen. Company helped me regain access to my card by mailing in documents confirming my identity. Company reopened card and said they would get the late payments removed which they did not. ive asked the company to do this seven times within the last year and still no results
Consumer complaint received 2023-11-09
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: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXXXXXX  I NEVER HAD LATE PAYMENTS XXXX XXXX  XXXX IS NOT MINE XXXX XXXX XXXX  XXXX  I NEVER HAD LATE PAYMENTS XXXX XXXX  XXXX  IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS NOT MINE
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

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.

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.

I demand the following accounts be verified or removed immediately. 


Collections XXXX XXXX Opened XXXX {$610.00} XXXX XXXX XXXX Opened XXXX {$790.00} XXXX XXXX XXXX XXXX Opened XXXX {$7200.00}
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. (GA)

I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2015-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I noticed a Judgment and a Collection account on my credit. I disputed it with Trans Union and told the that they are confusing me with my son. Trans Union continues to report this information on my credit. I have been denied credit due to the deformation of my credit
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or 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 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recieved a copy of my credit report and noticed several accounts on my credit file that I never applied for and never used. these accounts are fraud and needs to be removed from account below are listed the above referand accounts XXXX XXXX XXXX, XX/XX/XXXX, {$870.00}, ( XXXX ) XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$1000.00}, ( XXXX ) XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$870.00}, ( XXXX ) XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$970.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$330.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$880.00}, ( XXXX ) XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NH)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-09-28
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. (MS)

This is my several 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 XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX XXXX Balance : {$1200.00} ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$670.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXXXXXX  Reference # : XXXX
Consumer complaint received 2022-12-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ________________________________________________________________ Dear Consumer Financial Protection Bureau, I am in search of housing and need a credit score. The above mentioned are interested parties. I am unable to pay for a credit score, as I do not seem [ yet ] eligible for a bank account. I was furloughed and have not yet been able to make it back to my office. 

Thank you, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-09-28
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)

EXPERIAN XXXX NOT FINISH INVESTIGATION ABOUT BANKRUPTCY. 
XXXX XXXX SENT LETTER STATING NO BANKRUPTCY ONMMY CONSUMER REPORT AND THEY HAVE NOT DELETE IT FROM MY CONSUMER REPORT.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (GA)

Theres was a Wells Fargo account opened in my name in 2019 that I did not open that is on my credit consumer report with XXXX XXXX XXXX. I have sent numerous letters to XXXX XXXX  and Wells Fargo with numerous fair credit report codes telling them this is in violation of my rights because this is a negative mark on credit and is in violation of fair credit reporting act. They have yet to validate the account belongs to me or send me any evidence I been asking for in the letters. They refuse to remove the negative marks from their systems and other credit agencies system. They refuse to show me my signature in a contractual agreement proving I opened the account which I did not. XXXX XXXX and Wells Fargo are in violation of my rights. I have asked for names, addresses, emails from XXXX XXXX to prove whom they spoken to from the bank in question that validates the account belongs to me which they have not presented to me.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. ACCORDING TO FCRA Section 605B it is illegal to report information on my credit report without my permission thank you please remove this from my credit report XXXX XXXX-INS Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. ACCORDING TO FCRA Section 605B it is illegal to report information on my credit report without my permission thank you please remove this from my credit report XXXX XXXX XXXX XXXX  Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. ACCORDING TO FCRA Section 605B it is illegal to report information on my credit report without my permission thank you please remove this from my credit report XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. ACCORDING TO FCRA Section 605B it is illegal to report information on my credit report without my permission thank you please remove this from my credit report
Consumer complaint received 2023-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (FL)

I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XX/XX/2022 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] [ all XXXX credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX  Account Number : [ XXXX Reason : [ NEED THIS INFORMATION REMOVED FROM PROFILE & LATE PAYMENT HISTORY ASAP PLEASE ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX