davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sequium Asset Solutions, LLC (MO)

I received several letters, harassing phone calls, and emails from this company trying to collect and settling a debt. The company is reporting fraudulent inaccurate information on my credit report. Ive requested detailed validation letter regarding this debt ; including the purchase agreement to show full ownership of the account transferred and other accurate supporting documents. Im trying to validate this account to see if this debt belongs to me. The company information SEQUIUM ASSET SOLUTIONS , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TEL : XXXX FAX : XXXX EMAIL : XXXX or XXXX Reference number : XXXX Original creditor XXXX for the total Amount : {$620.00} ; settlement offer amount : {$400.00}. Also, youre reporting on my credit report the same account regarding alleged debt amount of {$150.00}. The original creditor is XXXX XXXX. ( see attachment : an email letter trying to collect alleged debt )
Consumer complaint received 2017-05-19
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. (IL)

Transunion is showing XXXX inquires on my credit report that I did not authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of the inquires have the date of X/XX/16. When I called Transunion on XX/XX/XXXX, the representative told me that I need to dispute it directly with the financial institutions. That 's not possible, because I 've never done any business with any of them.
Consumer complaint received 2024-03-05
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)

According to section 604 e of the FCRA, I have the right to request deletion of inaccurate information on my credit report. I sent a letter requesting the credit reporting agency to furnish proof of ownership of the accounts, as well as multiple inaccuracies. Not only did my written request go unanswered but the inaccurate accounts on credit report have been illegally reaged. Additionally, there are accounts being reported by one credit reporting agency that arent being reported by others. All accounts in question should be deleted. 

The accounts in question : 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
Consumer complaint received 2024-03-30
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.

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 2024-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (GA)

SPRING OAKS CAPITAL LLC. XXXX XXXX XXXX {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both of these accounts were a result of identity theft and neither company has sent documentation to validate this debt.
Consumer complaint received 2024-03-05
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. (PA)

Dear XXXX, I am writing to inform you about a concerning matter regarding the loan associated with a 2018 cla XXXX. After conducting thorough investigations, it has come to my attention that the loan used for this lease was obtained fraudulently. 

I have taken immediate steps to address this issue and have reported the fraudulent activity to the appropriate authorities. I understand the seriousness of this situation and assure you that I am cooperating fully with the authorities to rectify the matter. 

As a result of the fraudulent nature of the loan, I am unable to fulfill the terms of the lease agreement. I kindly request your understanding and cooperation in resolving this matter promptly. I am willing to provide any necessary documentation or information to assist in the resolution process. 

Please advise on the next steps we should take to ensure a smooth and fair resolution for all parties involved. I am committed to working closely with your team to mitigate any potential impact and reach a satisfactory outcome. 

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

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-05
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. (PA)

My name is 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.
Consumer complaint received 2023-06-18
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. (PA)

My XXXX Bank Credit Card Opened XX/XX/XXXX is Showing a 30 day late payment for XX/XX/XXXX I have provided the billing statement below to show proof I was never late in XX/XX/XXXX.
Consumer complaint received 2024-03-05
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. (FL)

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-03-05
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. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely deleted : XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-05
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)

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the XXXX 's Metro 2 Compliance standards, then I contest the reportability of any such claim. The XXXX 's XXXX stipulates that " '' ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 

Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX and XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX have violated my rights XXXX 

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 2023-06-20
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: EQUIFAX, INC. (NV)

To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong.

I am just saying that I am not 100 percent sure if they are. also I read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something please called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted.

Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me?

I saw on a credit site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything are missing or not correct on them. 

I demand the following accounts be verified or removed immediately. 
Name of Account : XXXX XXXX XXXX Account NumberXXXX. Verification : 'Cancel contract. please provide the original contract or delete! 


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 2023-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (SC)

TrueAccord account number is : XXXX ... XX/XX/2023, i sent dispute letter to trueaccord, and on XX/XX/XXXX trueaccord acknowledge via email that they receive my dispute letter via email. and I also mailed a physical letter to them as well. After submitted my letter, Trueaccord continue to send me 10 email 's without sending me the proper debt validation pursuant 15 USC 1692g & 1006.34 Notice for validation of debts. Dates of email 's after my dispute are : XX/XX/2023, XX/XX/2023, XX/XX/2023, XXXX, XXXX, XXXX, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 2023
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2022-11-25
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. (CA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  XXXX have 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 2023-06-17
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. (NY)

I have recently gone through my Consumer Reports and discovered that there is an instances of late payments recorded on an account where I have never been late before. It is crucial for Consumer Reporting Agencies to fulfill their duty of accurately reporting consumer information to the best of their capabilities. I would like to bring your attention to the account in question : XXXX with the account number XXXX I kindly request a thorough investigation into this matter and ask for evidence in the form of statements that demonstrate the lateness of these payments. If it is not possible to provide such proof, I insist that these payments be rectified and updated to reflect their true status as on-time payments. I have never been late, and it is essential that this information be accurately represented. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-29
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc. (TX)

My husband was the victim of an identity theft on XXXX XX/XX/XXXX in Texas with Conns Appliances. This incident was reported to Conns appliances, along with an affidavit and supporting documents. XXXX XXXX ( my husband ) eventually reported it on this website to Consumer Finance as Conns Appliances were not taking any corrective action. 



Conns Applinaces Fraud department issued a statemnet syaing this matter was closed on XXXX XX/XX/XXXX. 

Today ( XXXX XX/XX/XXXX ) Conns Appliances Collection department is now calling me to collect on this debt. I have attempted to explain the situation to the collection dept on several occasions but the calls continue despite my best efforts. 

The original complaint ID is XXXX submitted on XX/XX/XXXX to Consumer Finance .gov
Consumer complaint received 2024-03-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

ON XX/XX/year> a {$5000.00} XXXX payment was made to XXXX XXXX ( XXXX ). In an all honest mistake. I reached out to XXXX and ask her to return the money but to no avail she didn't and quit replying. If you can see my payment history XXXX has never been paid by myself or have not done any business with XXXX. If you look at my activity I frequently send XXXX XXXX ( XXXX ) payments
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HW Holding, Inc (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  *These corporations listed above have been placed on reports fraudently..please remove and recoup all securities though my XXXX  account*
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In according with the Fair Credit Reporting act XXXX  Account name- XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-04-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I am being forced to file this Complaint because Select Portfolio Servicing , Inc., hereinafter referred to as SPS, refuses to abide by the Fair Debt Collection Practices Act, hereinafter referred to as the FDCPA and the California XXXX Fair Debt Collection Practices Act, hereinafter referred to as RFDCPA. I took out a loan with XXXX XXXX XXXX on XX/XX/XXXX. Due a financial hardship in XX/XX/XXXX, I fell behind in my scheduled monthly payments. The last time I made a payment on this consumer debt obligation was XX/XX/XXXX. The debt obligation is currently contractually due for the XX/XX/XXXX payment. In XX/XX/XXXX, it is purported that XXXX XXXX As Trustee of the XXXX Trust was assigned the beneficial interest under my Deed of Trust and not the Promissory Note. At the time of this purported transfer, the debt was contractually due for the XX/XX/XXXX payment. SPS purportedly acquired the mortgage servicing of this debt obligation effective XX/XX/XXXX. Pursuant to the FDCPA and the RFDCPA, SPS and XXXX XXXX as Trustee are " debt collectors '' and not " creditors ''. They are threatening and attempting to proceed with a nonjudicial action to dispossess me from my home without the legal right or authority to do so. Despite numerous attempts, they have failed to validate the debt and have failed to provide me with any documentation to demonstrate they have the legal ability to attempt to collect the debt, collect the debt, or enforce the power of sale contained in the deed of trust. Although I have taken legal action against them, they have not stopped their collection and enforcement activities. I am filing this Complaint to make the CFPB aware of their wrongful and illegal actions. The California Supreme Court has confirmed that a borrower is not entitled to pay an entity that is without the legal right and authority to collect and is enforce. In California only a creditor, or an agent of the creditor, may attempt to collect a debt or collect a debt and/or initiate and complete a foreclosure action. Falsely representing that the foreclosure documents are legal process is prohibited and misleading and is in violation of California Civil Code 1788.16. SPS and XXXX XXXX are engaging in acts that are causing substantial harm not only to me but to California consumers and taxpayers. Immediate action must be taken to stop them from engaging in unfair competition. Their conduct is unlawful, unfair and deceptive. They are blatantly disregarding federal and state laws they are mandated to abide by.