davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Bureau Subject : Request for Investigation and Correction of Credit Report Information.

Dear Sir/Madam, I am writing to formally dispute the accuracy of specific information in my credit report, as provided under 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. After reviewing my credit report, I noticed several discrepancies that I believe are inaccurate, incomplete, or unverifiable. The accounts in question are listed below for your reference : XXXX XXXX XXXXXXXX In accordance with the rights granted to me under the Fair Credit Reporting Act ( FCRA ), I kindly request that you investigate the accuracy and completeness of all information associated with these accounts. If, after your investigation, the information is found to be inaccurate or unverifiable, I ask that it be promptly removed from my credit report. In addition, I would like to remind you of your responsibility to complete this reinvestigation within 30 days. Should you be unable to verify the accuracy of the information within this timeframe, I expect the immediate removal of these items, as required by law. Moreover, I request that you review the procedures used to report this information in the first place to ensure compliance with the standard of maximum accuracy required under 15 U.S. Code 1681e ( b ). 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hard Inquiry in my credit that I do not recognize for the company XXXX XXXX - ( XXXX  ) conducted on XXXX XXXX or XXXX XXXX.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2024-10-17
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. (VA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-10-08
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of XXXX XXXX  and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the XXXX of my XXXX  to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's XXXX XXXX  Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-10-17
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. (GA)

XXXX is reporting an erroneous NON EXISTING item ( Bankruptcy ) to my consumer report that they are claiming is verified when the furnisher ( XXXX ) has conducted an investigation after i disputed the item and they deleted and removed the item ( XXXX XXXX ). Furthermore, i never gave permissible purpose to furnish any negative item to my consumer report, much less an item that can not be actively verified! I have disputed several times with XXXX yet they continue to reflect this outdated/ erroneous item which is directed violation of my rights as a consumer. This suggests willful non compliance after my request for maximum accuracy. This inaccurate reporting of this item has caused a severe damage to my credit worthiness. I am requesting this item ( Bankruptcy ) be DELETED and REMOVED from my consumer report.
Consumer complaint received 2018-04-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (CA)

Speedy Cash sent postcards to my house saying that I could take out a second title loan on the same vehicle for which I already have a title loan. In addition, it wasnt made clear to me that the annual APR is close to 100 %. I feel as if this is a predatory practice and also have been informed that it is not legal to have 2 title loans out on the same vehicle. I have suffered a great financial burden as a result of this predatory loan and I would like it to be dismissed.
Consumer complaint received 2022-10-24
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)

The unverified items indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these items. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-10-24
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: EQUIFAX, INC. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account liability on my credit report is absolutely confusing and incorrect. Please produce the contract used to verify this account because I have none with them and the information you have is inaccurate. In addition, your institution has also established that this account is verified how many times already. Please correct this within the time frame required by the law before I am going to speak with an attorney at law regarding the willful non-compliance within your agency in not giving me the information I requested during my past dispute. 

Original creditor : XXXX
Consumer complaint received 2024-10-08
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: SYNCHRONY FINANCIAL (AL)

I sent a letter to Synchrony Bank concerning my XXXX XXXX XXXX XXXX account XXXX in XXXX about 4 months ago, asking to invoke my credit security. I apologize for not knowing the exact date, I have been diagnosed with XXXX, my wife with stage XXXX XXXX XXXX, we have been affected with XXXX XXXX and everything just seems to swim before me. I have had payments returned, and I have tried to be more diligent, but I am XXXX XXXX XXXX and things are just falling apart.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (CA)

There is one potential negative credit card on my account that does not belong to me. I have never had a credit card with the company. It says payments were made until I stopped paying then account closed. I do not know anymore details than that other than it does not belong to me. It says my address is in XXXX  and I have never been to XXXX. I have not been late on a single credit card payment and I have never been in or even near XXXX  ever. I have never heard of the company either. Please remove this because it is NOT mine.
Consumer complaint received 2021-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (KY)

LVNV Funding is holding onto a debt that was discharged in bankruptcy. Amount is {$140.00}. I have provided information and it even shows on my credit report where it was discharged in bankruptcy. They refuse to remove this. XXXX sold the debt to them but they even show a discharge.

I have filed 3 disputes on my credit, my attorney has contacted them and has stated they have had issues from this company. 

Lvnv funding XXXX
Consumer complaint received 2023-08-11
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. (TX)

I have disputed this account with XXXX, Transunion and XXXX several times. Most recently on XX/XX/. I asked for a contract and proof of debt. I did not receive any documentation of the this alleged debt until I filed a complaint with CFBF. 

My problem is with the verification of this account. How was the account verified as accurate as reported on my credit report? XXXX, Transunion and XXXX all allegedly completed it's investigation into the account it came back verified. XXXX XXXX provided me with an " itemized '' bill that I have never seen before. The bill does not have my correct address on it nor is it accurate. It has an address different from the address on my credit report and a different address from the driver license that they attached to the bill. The driver 's license belongs to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, Texas XXXX however, the bill belongs to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Texas XXXX. My name is XXXX XXXX XXXX, I have never resided at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. This account has been mixed up or merged with another account. It is not accurate. 

Be advised that this IS NOT a dispute or another opportunity for you to reinvestigate the previous dispute. The period to conduct such a reinvestigation has expired and shall not be extended by law. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation. As a result, please delete this account. Additionally, as per the FCRA, you are liable to me for damages for you conduct. In addition to deletion of the disputed account, you are demanded to send a check in the amount of {$1000.00} payable to XXXX XXXX XXXX.
Consumer complaint received 2024-08-24
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. (NJ)

I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights.
Consumer complaint received 2024-10-05
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

I contacted Synchrony Bank because I noticed all of my credit cards were closed without my requesting it and without my knowledge. The representative on the phone advised me that my accounts were closed due to me being high risk for paying them back. I had a JCPenney card with a {$500.00} limit that was paid off in full. I have had this card since XXXX and have not had any issues paying. I had an XXXX credit card with a limit of {$3900.00} that was completely paid off and I have not had any issues paying. The XXXX card was open since XXXX. Lastly, I had a Mattress Firm credit card that had a limit of {$8000.00}, my current balance due on it is {$3900.00} because I am paying off a mattress that I purchased last year. I have paid as agreed every month and I have always paid on time and paid early. My credit score was in the XXXX. I see no reason for them to assume I am high risk and to cancel my accounts. My concern is that this will cause my credit score to fall due to them canceling all my cards, particularly the card I have had open since XXXX. I do not understand how I can suddenly be a high risk customer after 19 years of paying them on time.
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

VALIDATION AND CEASE AND DESIST Collection agency name : Portfolio Recov Assoc XXXX XXXX XXXX VA XXXX Account number : Your NAME : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX Tx XXXX XXXX Dear XXXX XXXX  XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Sure! Heres a response you might consider : -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX  XXXX, VA XXXX Dear Portfolio Recovery Associates, Thank you for your prompt response regarding the concerns I raised about the PRA account ending in XXXX. I appreciate your investigation into the matter. 

However, I would like to request further clarification regarding the validity of the account. While you state that you have verified the account and will cease communications, I would like to formally dispute the balance of {$2600.00} attributed to me. I believe that additional documentation may be necessary to confirm the accuracy of the claimed amount and the circumstances surrounding the account. 

I request that you provide a complete account history, including all relevant statements and records related to the original account. This will enable me to assess the validity of the charges and ensure that my rights are protected. 

Thank you for your attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX