davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (HI)

I got a collection notice in the mail from LVNV funding for a debt that was already settled. I wrote them a letter on XX/XX/2022 within the 15 day period after they sent the letter asking them to validate the debt and to cease and desist all collection efforts until they could prove there was a debt owed and they own the debt. The company never responded and still proceeded to report the account on my credit report on XX/XX/2022. This is highly illegal and this company is still in business regardless of them repeatedly violating federal law.
Consumer complaint received 2022-11-26
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. (MD)

My unblemished credit has suffered a sudden, surprising, and stubborn XXXX which now imperils my timely repayment of obligations taken on to get through the XXXX pandemic, and which I am sworn to honorably achieve. 

In XXXX, XXXX, XXXX reported an old account of mine, for XXXX XXXX XXXX, closed since XXXX, to all three credit bureaus, showing an XXXX unpaid balance. This balance accrued from false and fraudulent charges and fees some for services not rendered, some for service tier changes made against my instructions, some for billing contrary to sales pitches, etc. I had made regular ongoing payments for legitimate charges, but had refused those which were unethical. My vigorous good-faith efforts toward remedy were of no avail. 

I disputed this XXXX XXXX  with the bureaus. Their 'investigations ' yielded nothing beyond the likes of, " We contacted the company for them to investigate your dispute. The results are : This creditor has verified that the current status is being reported correctly. '' I agree the false fees are being reported exactly as they were originally falsely charged. Of course XXXX denies their unethical conduct. But their misconduct is not my responsibility.
Consumer complaint received 2023-05-29
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. (CA)

I have been a victim of identity theft and I have exercised due diligence to repair my credit but false and fraudulently information hasnt been removed after multiple unjustifiable unauthorized accounts from multiple improper investigations violating FRCA Dear Credit Bureau, I am continually being called on the telephone by your firm over an alleged debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you cease contacting me via telephone and all future correspondence be writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. Coppola v. Arrow Financial Services, 302CV577, 2002 WL 32173704 ( D.Conn., Oct. 29, 2002 ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 
Intimate knowledge of the creation of the debt by you, the collection agency. 
As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. 
I look forward to a speedy resolution of this matter. 

I am attaching the lawful codes on which is in violation of the law 15 USC CODE 1681N,15 USC 1681o,15 USC 1681e,15 USC 1605, 15 USC 1681i
Consumer complaint received 2022-11-25
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. (LA)

XXXX XXXX XXXX is reporting inaccurate information on my credit file which is a violation of my consumer rights FRCA LAW. XXXX XXXX on behalf of XXXX XXXX XXXX XXXX, settled this account XX/XX/22 via phone with representative XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Receipt of payment will be attached. Voice recorder to Payment settlement will be sent to each bureau and CFPB TO PROVE THIS WAS SETTLED FOR {$300.00}. Credit report is reporting inaccurate pass due amount, open balance, which if inaccurate information. 
The account is NOT being thoroughly investigated, but is responding by a generated response. No one is actually investigating this account and now Im going to get an XXXX XXXX XXXX because my consumer rights XXXX continue to be violated by XXXX, XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2021-01-08
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Cedars Business Services, LLC (FL)

On XX/XX/XXXX I received a notice from Ceders Business Services in XXXX, CA stating that when my wife and I were in XXXX in XXXX, XXXX we got a {$800.00} speeding ticket in XXXX, XXXX XXXX over a year before ). We were never notified by the rental car company that there was a ticket, and I am not sure that we were even speeding. I don't understand how legally they can harass people for an international speeding ticket that we never got .... I believe this is a scam. I looked on the XX/XX/XXXXwebsite and saw dozens of the same story. Please help.
Consumer complaint received 2024-06-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avadyne Health Holdings, Inc (AZ)

On XX/XX/XXXX, I received collection letters from H & R Accounts for XXXX XXXX XXXX XXXX XXXX for {$700.00} ( later increased to {$2100.00} ) On XX/XX/XXXX, I called and disputed all invoices due to medical malpractice On XX/XX/XXXX, I received copies of invoices in response to the dispute. I called back and pointed out that copies of invoices don't address the nature of the dispute, which is quality of care. The rep, XXXX, said they just validated balances as a result of my dispute. He told me collections would be put on hold while the quality of care issue was disputed. There was no other action I needed to take until I heard from them or XXXX. 
I never received any further communication from XX/XX/XXXX or H & R Accounts. 
On XX/XX/XXXX, I received a collection notice from XXXX and XXXX on the accounts from XXXX. 

H & R Accounts failed to properly investigate a dispute, failed to properly notify me of the results of the dispute, and allowed collection activity to continue while the account was in dispute.
Consumer complaint received 2022-11-25
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: Experian Information Solutions Inc. (PA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-03
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CCM Finance LLC (GA)

My XXXX XXXX XXXX was repossessed by XXXX XXXX XXXX XXXX on XX/XX/XXXX. I have a clear title from the State of XXXX  for the purchase of my car from a previous owner. XXXX XXXX in XXXX, XXXX  had my car repossessed and will not talk to me. I can not get in touch with the person I purchased it from. My title does not have a lienholder on it it is clear. I have a title and bill of sale. I called the police and they took a police report but said they can not report it stolen.
Consumer complaint received 2022-12-10
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: Experian Information Solutions Inc. (OH)

XXXX XXXX has reported account information inaccurately and upon requesting to re-investigate with proof of my claims that Experian is reporting with ( 2 ) 30 days past due, XXXX ( 1 ) 30 days past due and XXXX XXXX ( XXXX ) XXXX past due. I mailed the XXXX XXXX XXXX XXXX a letter outlining my concerns that caused adverse credit decisions due to the defamation of character, accounting & credit reporting errors. XXXX of XXXX I filed a lawsuit in XXXX XXXX XXXX for {$1000.00} in damages. The attorney for XXXX XXXX advised their investigation reinforced their initial determination that nothing was reported inaccurately. My initial request for a goodwill adjustment lead XXXX XXXX to respond via email, but in their response provided my account information and that of another customer in an email chain. After advising them of their continued documented errors, I received no response. I would like for this account to be removed due to irrevocable financial damages and defamation of character. Self Lenders attorney, XXXX XXXX of law firm XXXX XXXX, XXXX TX advised they are not able to remove information deemed accurate, but negative. I advised the information isnt accurate and the request to reinvestigate would have yielded the exact proof I provided, that there are errors on my credit report.
Consumer complaint received 2022-09-21
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. (AR)

in accordance with the Fair Credit Reporting act XXXX  Accounts # 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 a account without my written instructions 15 U.S.C 1681C. ( A ) ( 5 ) section states : no customer 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 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

ON XX/XX/XXXX, I called experian and told them that If iled a cfpb report, they are in violation of the FCRA, they are reporting an address on my credit report that belings to my father, XXXX XXXX XXXX XXXX XXXX ny XXXX, I disputed this address with experian multiple times, they continue to report this fraudulent address. I want this address removed from my credit report immediately. I also intend to sue if this fraudulent address is not removed from my credit report within 14 days. experian has my correct address XXXX XXXX XXXX XXXX, XXXX ny XXXX experian also continues to report a fraudulent account from XXXX XXXX XXXX XXXX , I disputed this account multiple times with experian letting them know that this account is fraudulent. I '' ve filed FTC identity theft reports multiple times and this account is still being reported, I sent experian and the creditor documentation of me being XXXX  from XX/XX/XXXXuntil XX/XX/XXXX. XXXX XXXXXXXX ACCOUNT was opened in XX/XX/XXXX, I was XXXX  at the time. I want this fraudulent account removed from my credit report within 14 days or I intend to sue.
Consumer complaint received 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In Accordance with the fair credit reporting act XXXX has violated my rights.

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681-2 Responsibilities of Furnishers of information to consumer reporting agencies.

15 USC 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 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-12-08
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: Experian Information Solutions Inc. (LA)

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I called XXXX XXXX in XXXX of 2020, I had my late fee waived and can XXXX  gave me an financial accommodation. XXXX XXXX  told me not to worry that they would waive my late fee due to the pandemic. I also called them and told them I was suffering due to the pandemic. XX/XX/2020 I called them to have the late payment fee credited back and they did just that. According to the Cares Act they gave me relief and they shouldnt have reported me as late during this timeframe. I would like this late payment removed as it is unlawful due to the Cares Act.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Subject : Disputes with Credit Reporting Agencies - Request for Assistance Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter of great concern regarding disputes I have encountered with the XXXX main credit bureaus : Equifax, XXXX, and XXXX. I have been diligently working to rectify discrepancies on my credit report related to XXXX specific accounts. Despite my efforts, these discrepancies persist, and I believe that my rights as a consumer are being compromised.

Below, I have outlined the details of each account in question along with a brief summary of the issues : 1. XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX - Balance : {$0.00} - Status : Sold ; Charged-off - Remarks : Purchased by another lender ; unpaid balance charged off - Action Taken : I have paid this account, and it should be reflected accurately. 

XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX - Balance : {$2700.00} - Status : Collection - Remarks : High balance discrepancies- Action Taken : The reported information is inaccurate XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX - Balance : {$1200.00} - Status : Collection - Remarks : Placed for collection ; not my account - Action Taken : I dispute the validity of this account ; it is not mine. 

XXXX XXXX XXXX ( XXXX Accounts ) XXXX XXXX  Date Opened : XX/XX/XXXX - Balance : {$0.00} - Status : Current ; Paid as Agreed - Remarks : Credit card lost or stolen - Action Taken : Both accounts are closed and should be removed from my report. 

XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} - Status : Account Paid in Full ; was a Collection - Remarks : Settled less than full balance ; paid collection - Action Taken : I request the removal of this account from my report. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX - Balance : {$4000.00} - Status : Charge-off - Action Taken : Submitted mutliple disputes. 

XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX - Balance : {$7600.00} - Status : Collection - Remarks : Account previously in dispute-now resolved; placed for collection - Action Taken : I am seeking removal under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached supporting documentation to validate my claims. Please investigate these matters with the respective credit bureaus and facilitate the correction of inaccuracies in my credit reports. Your prompt attention to this matter is highly appreciated. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-22
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: Experian Information Solutions Inc. (CA)

Please remove all non-account holding inquiries : XXXX XXXX XXXX-inquiry : XX/XX/2023 XXXX XXXX XXXX XXXX- INQUIRY : XX/XX/2023 XXXX XXXX- INQUIRY : XX/XX/2023 XXXX XXXX-INQUIRY : XX/XX/2023 2023
Consumer complaint received 2022-11-25
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)

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus transunion, XXXX  and XXXX to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature. Please see attachment with the list of companies with fraudulent accounts/inquiries.
Consumer complaint received 2024-04-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC (PA)

On or about XX/XX/2024, I reached out to Mariner Finance at the XXXX XXXX to make another request about my extra payments being applied to the Principal amount of my loan, and I was told by the Manager at that branch that was not possible and Manager there said he would have the District Manager XXXX XXXX XXXX, get in touch with me. And XXXX XXXX did in fact contact me on the same date mentioned above told me he would look into it, Only to contact me the next day XX/XX/2024, and tell me there was nothing he could do for me referring me to I contacted The Customer Service Relations ( XXXX ) on or about XX/XX/2024, where I had a very unprofessional and Contentious conversations with a women who refuse to give me her name and hang up on me because I was requesting for someone within the Company to sign a Sworn Declaration stating that I did and in fact make the request for my extra payment to be applied to my Principal Amounts of my Loan.