davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
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. (PA)

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. Act Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( auto loan ), Act Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( credit card ) Act Name : XXXX XXXX XXXX USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-25
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: EQUIFAX, INC. (GA)

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 Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX  XXXX XXXX Account Number : XXXX Account XXXX : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX 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.
Consumer complaint received 2015-03-27
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Streamline Recovery Inc (VA)

XXXX XXXX called and left a message with employer threatening legal notice. I returned the call and I can only connect with voicemail on both the XXXX and XXXX. The agency is Streamline Recovery located at the following : XXXX, NY XXXX CONTACT THEM Phone : XXXX
Consumer complaint received 2023-05-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX  : XXXX a natural and real living human being ( consumer ) who is the Beneficiary of XXXX XXXX XXXX have been disputed these accounts below for the last 3 months and and I received my updated credit report that TRANSUNION dated XXXX XXXX that said they have verified these disputed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

How is it possible for these disputed items to have been properly verified because if so they would have been accurate across all 3 credit reporting agencies instead the same inconsistencies of my first two investigation that still remain. I know for a fact that each account disputed has inconsistency of such as incorrect Date opened, Last activity, High balance or last payment entered on my credit report. ( See Attached ) I asked for them to send me the exact process that was used and who determined these accounts were accurate including First name, Last name, badge number, telephone number and position with TRANSUNION and how long they been with the company. Pursuant to 15 U.S.C 1681 ( I ) 7-Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The anxiety and stress this is causing me has me prepared to seek civil damages against TRANSUNION for the violation of my consumer rights & if these accounts are not Deleted immediately that will be my next step. This was not drafted by any 3rd party, I am a law major and very familiar with my consumer laws.
Consumer complaint received 2020-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2020, I received a letter from Synchrony Bank stating my account ( PayPal Mastercard ) was closed due to " Activity on account with Synchrony Bank indicative or high risk of failure to pay. '' I believe this action was taken illegally as a response to the COVID-19 Pandemic.

Under the Equal Credit Opportunity Rights Act, I have a right to find out why my account was closed unless the account was inactive of my failure to make payments as agreed.
Consumer complaint received 2022-12-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (GA)

somehow or another in XXXX paid my mortgage which is XXXX instead the mortgage company took XXXX it was a huge mistake on my part or theirs it has caused me significant financial harm and will cause more so next month i have asked that it be reversed and the XXXX taken out and the remaining balance return but was told it wasnt possible due to being on a fixed income this amount hurts my household finances .any help from you would be deeply appreiciated...
Consumer complaint received 2022-11-01
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, 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 you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022
Consumer complaint received 2023-05-17
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. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc. (CT)

Original debt was to XXXX. After the debt went into collections, a company named " XXXX '' ( XXXX reference # XXXX ) contacted me to collect. I asked for debt validation, they were unable to do and removed the negative report from my credit report. A few months passed, now another agency " Convergent Outsourcing Inc '' is attempting to collect on the same exact debt which was previously removed. I asked for debt validation and all they sent me was an old bill from XXXX. How can they collect on a debt thats already been removed from another company? Is an old bill sufficient enough to prove debt validation?
Consumer complaint received 2023-04-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (VA)

On XX/XX/202, I rented a car from XXXX in XXXX XXXX, XXXX, NY. The rental was from XX/XX/2022 XXXX XXXXXXXX XXXX As required, I returned the vehicle on XX/XX/2022 ( around XXXX XXXX ) to the drop-off location listed in the rental agreement ( XXXX XXXX XXXX in XXXX XXXX XXXX VA, XXXX XXXX has an office ). There was no one from XXXX present when I arrived to drop off the keys, even though it was during its normal business hours. 

I followed the directions that I saw written on a paper posted on the door of the office, that stated I should drop off the keys in its drop-box. I have a photo of these instructions, which shows the time and date taken ( around XXXX  XXXX on XXXX XXXX XXXX ). I then called XXXX 's customer service number to confirm that this was correct. 

My father witnessed this call to XXXX 's customer service and its acknowledgement that I had returned the vehicle correctly ( I have a record locator number for this call ). My father was my ride home, so he witnessed me drop off the vehicle at the exact location listed in my rental agreement. He is willing to testify as a witness. On XX/XX/2022 I received an email from XXXX XXXX, who works at XXXX. She requested an affidavit that I returned the vehicle I had rented. I emailed her MANY times with no response from XXXX XXXX, and no communication from XXXX whatsoever. 

On XX/XX/2022 I saw that XXXX had charged my debit card ( the original payment method that was used for the rental ) a total of {$3400.00}, which was the entirety of my check account at the time. I saw that they also emailed me an invoice for {$11000.00} - claiming that I had not returned the vehicle until XX/XX/2022 at XXXX XXXX. 

XXXX has now sent me to collections via Transworld Systems for the {$11000.00} charge, destroyed my credit, and will not cooperate with myself or my lawyer. I have a large amount of evidence proving I do not owe XXXX more than {$110.00}.
Consumer complaint received 2023-05-17
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. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items 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 corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-14
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)

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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX 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 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

On XX/XX/2022 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INCXXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. XXXX, XXXX, and Experian are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX  XXXX Bankruptcy and accounts. 
My XXXX credit report is still reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX all of which are fradudlent. 
My Experian credit report is still reporting 5 XXXX XXXX  XXXX XXXX accounts, XXXX XXXX XXXX XXXX. Last, my XXXX credit report is still reporting 2 XXXX XXXX XXXX XXXX accounts. Please see attached FTC Identity Theft Report. 
This has caused me tremendous XXXX, stress, and financial hardship.
Consumer complaint received 2023-05-25
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: EQUIFAX, INC. (IL)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : Account # XXXX Delete this account.
Consumer complaint received 2017-03-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

Went to buy a car from a dealer in XXXX called " XXXX ''. I authroized them to pull my credit report which they did not once but twice. They have told me that they only did it once and they would correct. Spoke to XXXX in Finance XXXX. One was pulled on XX/XX/2016 and the other on XX/XX/2016. I want one of them removed. I did n't authorize more than one inquiry.
Consumer complaint received 2023-05-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (LA)

Company/Creditor Maury Cobb attorney at law, XXXX, AL XXXX sent first letter XXXX XXXX, says respond by XX/XX/2023 ; however, on XX/XX/2023, they had reported a negative derogatory mark on my credit file, didn't give me the opportunity to respond, tarnishing my credit report. 

The name on my credit file is Amsher Collections, out of XXXX, AL XXXX XX/XX/XXXX, I sent certified letters to both agencies creditor disputing this information, also I was requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to that creditor. 

I waited 30 days as per the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and they sent some computer printout copies of the itemized statement. 

They failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Also the company is using two names one to correspond via mail, and the other to mark on my credit file. 

I sent a second letter to this creditor, and they have not responded to the second letter and it has now been over 30 days as per the coreFair Debt Collection Practices Act and the Fair Credit Reporting Act. and still see an adequacy derogatory mark on my credit file.
Consumer complaint received 2017-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

The credit companies are reporting I have a Bankruptcy and Tax liens reported by different courts. The courts DO NOT report Bankruptcy or Tax Liens. This information is being reported incorrectly. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (VA)

I flew out to XXXX XXXX on XX/XX/30 and returned on XXXX. My account Was debited {$330.00}, {$340.00} on XXXX from floor and decor in XXXX va. Upon receipt Of the notification on my phone I called the bank on XXXX and let The bank know that I was in XXXX XXXX and they advised I had to wait until the transaction posted. On XXXX the transaction posted and I filled a dispute. 
My dispute was denied
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, 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. (IL)

I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT. THE INQUIRIES ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

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 XXXX XXXX XXXX. XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX  XXXX # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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. You sent this information to the Credit Bureaus and they said everything was verified. I asked for proof from the credit bureaus but none was ever give. According to the FCRA the credit bureaus must give me the proof that i asked for to validate these accounts. I asked for the name of the person validating their position their mailing address and their phone number. I never received any information, but everything was verified as correct. I am also attaching a copy of the request and letter that i sent to the credit bureaus.
Consumer complaint received 2023-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I strongly request that you update my account to accurately reflect my payment history. Please rectify this error promptly and ensure that my account reflects the fact that I have always been punctual with my payments.