davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

RE : PORTFOLIO RECOVERY ACCT : XXXX It is not now, nor has it ever been my intention to avoid paying any obligation that I lawfully owe. 

In order that I can make arrangements to pay an obligation which I may owe, please document and verify the " debt '' by complying in good faith with this request for validation and notice that I dispute part of, or all of the allege debt. 

1. Please furnish a copy of the original promissory note redacting my social security number to prevent identity theft and state under penalty of perjury that your client named above is the holder in due course of the promissory note and will produce the original for my own and a judge 's inspection should there be a trial to contest these matters. 

2. Please produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. 

3. Please identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding that alleged debt. 

4. Please verify under penalty of perjury, that as a debt collector, you have not purchased evidence of debt and are proceeding with collection activity in the name of the original maker of the note. 

5. Please verify under the penalty of perjury that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable, unless the party to whom that contract is extended could have rejected the clause without impunity. 

6. Please provide verification from the stated creditor that you are authorized to act for them. 

7. Please verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment. 

I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for that account listed above. 

Under the Fair Credit Reporting Act ( FCRA ), unverified, invalid accounts must be removed. 

If you are unable to provide this to me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once removed the account from credit reports. I demand the account be validated or removed immediately. 

The law is very clear as to the Civil liability and the remedies available to me for the " negligent noncompliance '' ( Section 617 of the FCRA ) if you fail to comply with this Federal law.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX Account Number : XXXX
Consumer complaint received 2019-12-06
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 is reporting that I have a {$6300.00} debt as bad debt. I'm a XXXX veteran that was without income for over 2 years. Once my XXXX came in I settled this account with XXXX XXXX XXXX XXXX, account # XXXX. The settlement was completed with XXXX XXXX, XXXX XXXX XXXX and Transunion still shows an outstanding balance.
Consumer complaint received 2024-03-22
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. (TX)

I am the Victim of Identity theft Please block and remove this account in accordance with section 605 B of the FCRA.

the account is : XXXX XXXX XXXXXXXX {$47000.00} XX/XX/year> I have filed a Police report and a FTC report. The names on the fraudulent account is wrong as well as the address.
Consumer complaint received 2023-01-02
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)

According to the Fair Credit Reporting Act ( FCRA ) Section 1681s-2 cover the duty of furnishers to provide " accurate information among other things. Subsection ( a ) Prohibits furnishers from reporting information with knowledge of error. XXXX XXXX XXXX Subsection 1681s-2 state you must conduct a proper investigation. 

I am Disputing the inaccurate and incomplete information reporting on account ( Dispute 1 ) Date of last Payment XX/XX/2021 this is an error and inaccurate information please investigate and provide payment history of this account. 

( Dispute 2 ) Payment Status late 120 Days this is an error and inaccurate information please Investigate and provide payment history of this account. That will prove this 120-day late payment is an error and inaccurate information. 

Account number XXXX is reporting incomplete I have already submitted a dispute for inaccuracies which I have provide a copy of such dispute with this new dispute includes a copy of my credit report account XXXX XXXX XXXX which show the account is reporting inaccurately which also is hurting me from getting new credit products and services This is my last complaint number XXXX from CFPB
Consumer complaint received 2023-01-17
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. (ND)

I filed the original complaint with you last week and I keep getting totally different emails about it I got 4 emails yesterday one said my XXXXXXXX XXXX account was closed, the next said it was moved to collections the next said that they needed more of my personal information to proceed and finish the second half then I got an email saying they have the results for my XXXX XXXX XXXX account complaint. Basically the same situation on Saturday the XXXX I had enough info on the complaint to justify removing it completely from my report but they originally said that there investigations were complete then they emailed me back saying they didnt get my uploaded documents so I called them and yes they didnt get my uploads but said the investigation was done. Im seriously having XXXX XXXX because it takes an hour to get anyone on the phone, none of them speak English and they like to hang up on you plus they dodge every question you ask and to be honest Ive been unable to borrow even XXXX $ for 6 years and for them to jerk me around and go back and fourth like this and we both know that its going to be the same if I dispute anything else with any of the three bureaus, they all help about the same which is answer the phone and that is it and it is more than difficult to stay calm with people that dont help nor talk english.. I am going to seriously have XXXX XXXX dealing with careless lazy people like this and I couldnt be more serious, I am totally fed up and I need to move on from this and I need these two disputes gone from my credit report on all three bureaus due to there inability to carry out the simplest of tasks and the dishonesty about the handling of my case. It is not ok to be treated like this and constantly give me conflicting information about my accounts and the fact that they lied to me about everything so far should be enough evidence to fulfill my request to remove these items from all three credit bureaus and since Ive already wasted 3 months Im asking for a bit of a speedy end to this little game they want to play with me thank you in advance
Consumer complaint received 2023-05-18
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: Experian Information Solutions Inc. (VA)

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. 

XXXX / XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXX XXXX  Account Number XXXX ; XXXX  XXXX Account Number XXXX ; DEPT OF ED/XXXX  Account Number XXXX ; XXXX XXXX XXXX XXXX Account Number XXXX ; XXXX XXXX XXXX Account Number XXXX ; XXXX XXXX XXXX XXXX Account Number XXXX ; US DEPT OF EDUCATION Account Number XXXX ; US DEPT OF EDUCATION Account Number XXXX ; XXXX Account XXXX XXXX ; US DEPT OF EDUCATION Account Number XXXX ; XXXX XXXXXXXX XXXX XXXX Account Number XXXX ; XXXX XXXX XXXX Account Number XXXX ; XXXXXXXX XXXX XXXX  XXXX Account Number XXXX ; 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 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 2023-07-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Credit Karma (AR)

Three different times credit karma. 
would send me a pre-approval guaranteed from discover for 5 % personal loan, once I applied for the personal loan and was approved, it was never 5 % it was usually anywhere from 15 % to 20 %
Consumer complaint received 2023-05-18
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: Experian Information Solutions 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. 

Account name : XXXX XXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXX, Account # XXXX, Account name : XXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXX, Account # XXXX, Account name : XXXX, Account # XXXX, Account name : XXXX XXXX, Account XXXX XXXX, Account name : XXXX 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 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 UNIT 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 XXXXXXXX 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 XXXX XXXX XXXX : {$31000.00} XXXX XXXX  XX/XX/2021.
Consumer complaint received 2022-12-26
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX, I discovered a debit in my savings account at XXXX XXXX XXXX of XXXX dollars with the following description ( XXXX XXXX XXXX ). I have made multiple calls to the bank and I have requested an investigation for fraud, they do not solve the problem nor do they know where the debit comes from, I visited the bank of America branch and they mistreated me, they told me that the charge was authorized, to solve the problem with the other owners of the account. The collection was not authorized by any of the account owners, the bank simply took our money without authorization and they do not want to open an investigation for fraud.
Consumer complaint received 2023-05-18
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. (GA)

In accordance with the Fair credit reporting act XXXX Acct # XXXX, has violated my rights. 

15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-05-18
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: Experian Information Solutions Inc. (GA)

I am a natural person, I am a living human being and I have rights under 15 USC 1681.

Experian is govern by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below be removed.

According to 15 USC 1681 ; I have the right to privacy and I did not give Experian written permission to furnish inaccurate accounts.

Account Name & Number : XXXX XXXX XXXX XXXX 
Account Name & Number : XXXX XXXX XXXX XXXX 
Account Name & Number : XXXX XXXX XXXX XXXX 
Account Name & Number : XXXX XXXX XXXX  ... 
Account Name & Number : XXXX XXXX XXXX 
Account Name & Number : XXXX XXXX # XXXX... 
Account Name & Number : XXXX XXXX # XXXX Account Name & Number : XXXX XXXX XXXX XXXX 
Account Name & Number : XXXX XXXX XXXX XXXX Account Name & Number : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (OH)

I first received a letter from Chase Bnk that I owed them money from account that I had opened online. They were requesting a past due balance of {$330.00}. I have never had any affiliation with Chase Bank and wanted to know more about the complaint. Since I could not get a police report they will not give me info as to how the account was opened without any I.D . or signature.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

THERE ARE THINGS LISTED ON MY CREDIT REPORT THAT I HAVE NO IDEA WHAT THAT ARE AND IT IS COSTING ME NEGATIVE FEEDBACK, AS WELL AS CLOSED ACCOUNTS AND A PREVIOUS BANKRUPTCY XXXX PLUS YEARS OLD STILL BEING DISPLAYED UNDER DEROGATORY. XXXX XXXX {$150.00}, 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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX 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 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2021-03-22
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. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2023-05-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

INACCURATE account being reported negatively as a " COLLECTION '' on my credit based on " Alleged '' default from XX/XX/2018, which is well past the four year STATUTE OF LIMITATIONS to collect. 
XXXX XXXX  is actively and aggressively making attempts to collect this debt, in direct violation of state law. 

Please Remove this inaccurate account in it's entirety ASAP per FCRA.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX  XXXX Balance : {$520.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2200.00} ; XXXX XXXXXXXX XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/ please be sure to enter dates that all letters were sent. 

I sent disputes to XXXX, Equifax, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2018-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Finance System of Richmond, Inc. (IN)

Fiance System has continued to report to XXXX false information in attempts to collect a debt. They have reported numerous accounts that are dated as of XX/XX/2015 from any where to XXXX to XXXX dollars. After speaking to the original creditor they informed me that Medicaid had paid on the account and or they had my Medicaid insurance information.

I have requested numerous times for them to remove thier information that they are reporting and that it is illegal to bill medicaid client for services that they recieved payment on.

Since XX/XX/2015 this has caused me numerous adverse actions and denials of credit, a mortage and a personal loans ...