davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-03
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dyck-O'Neal, Inc. (MI)

Dyck O'Neal sent me fraudulent documents and information one page on his lawyer letter head and the other on a blank sheet of paper, trying to negotiate a settlement that supposed to have happened in XXXX. After XXXX XXXX  XXXX sent him letter that he was in violation of the FDCPA. Without my knowledge his attorney put my house in the legal news. Never posted or follow the XXXX XXXX Foreclosure Process or Timeline. Dyck O'Neal presented more fraudulent. After we started going to court. My attorney wouldn't present the articleXXXX XXXX  XXXX XXXX XXXX XXXX Foreclosure of Mortgages that I had given XXXX XXXX before she came to court. XXXX XXXX. She I didn't know how to do Zoom and put info in the court system. That's when a more fraudulent and blanked out documents enter Circuit Court without knowledge. I haven't spoken to my attorney since XX/XX/XXXX. I didn't know all of fraudulent info were in my files until she to resigned..
Consumer complaint received 2021-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (TX)

I contacted a representative on XX/XX/XXXX as I was locked out of my account. At that time it was discovered that my account was compromised and someone had taken out a loan for a virtual XXXX XXXX  for {$1800.00} ( {$2100.00} with interest ) On XX/XX/XXXX, the phone number and email associated with my account was changed and a loan was taken out. I have been an Affirm customer on other loans for over 5 years - all that time with the same phone number. Someone changed my number and took out a loan. Its pretty simple to see it was not me. I have called every week since XX/XX/XXXX and nothing has been resolved. I keep being told that it is in an investigation department but an email I received on XX/XX/XXXX said it would be resolved in 3-5 business days ; it has now been almost 60 days from my first complaint and nothings been done. I work for XXXX XXXX and can not have any negative items on my credit so I have been forced to pay {$170.00} a month on this loan I did not take out. I have mailed a letter from IdentityTheft.gov informing Affirm officially of my identity theft, I have emailed Affirm 's customer service with no response and called every week and keep being told sorry we're still investigating it all while I'm still being held responsible for the payment. Affirm is not doing their due diligence to correct this situation.
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

Hello, my name is : XXXX XXXX XXXX I reside at XXXX XXXX XXXX XXXX, OH XXXX Please remove all other name variations IMMEDIATELY. They are inaccurate. 
MY CURRENT EMPLOYMER is XXXX All other addresses are not accurate. I was a victim of fraud and I need my correct information updated. Please REMOVE/DELETE these addresses XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I also see that on my report there are several incorrect spellings on my name and i'd like to remove any variations that do not read as XXXX XXXX XXXX.
Consumer complaint received 2021-08-31
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. (AR)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - the truth and lending act. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2019-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Spirit Airlines offers a credit card that goes through Bank of America. The card offers " Zone 2 priority boarding on all flights '' ( from spirit.com credit card application ). I applied for the credit card which I had for about a little over a year. I booked my spirit flights through Spirit website and paid with my spirit credit card. My trips are zone 3 instead of the advertise Zone 2 on all flights. A company should not promote such benefits if they are not able to honor it. I reached out to Spirit about the matter, but no one adequately addresses the situation.
Consumer complaint received 2019-09-05
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. (MO)

This is my third time asking for an investigation of a bankruptcy reporting on my credit report. All three credit companies XXXX XXXX, XXXX, and Experian have said that the data furnisher The United States Bankruptcy Court have reported the bankruptcy when they do not report to the credit bureaus. This is an unfair act and they deliberately lied about the re investigation. I feel as though this should be removed from my credit report for false responses and negligence on the bureaus behalf.
Consumer complaint received 2022-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to update the account. BUT TransUnion has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft Report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft Report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$12000.00}
Consumer complaint received 2021-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC (IL)

Account was charge twice for bill on credit card Genesis one on XX/XX/XXXX Which was authorized for {$45.00}. The other was XX/XX/XXXX which was unauthorized from {$43.00}.
Consumer complaint received 2024-02-19
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. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-21
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. (GA)

To Whom It May Concern, Consider this letter a formal instruction and unequivocal authorization to immediately remove and delete the inquiry made by XXXX XXXX  XXXX, XXXX XXXX  XXXX  AND XXXX XXXX on XX/XX/, from both the consumer report and file associated with the XXXX  and File Number referenced above. I expect full compliance with this demand, as it is well within my rights under 15 U.S. Code 1681 of the FCRA and 16 CFR 313.3 ( o ) ( 2 ) ( D ). 

Failure to comply with this directive within 5 business days from the date of receipt of this notice will be viewed as a deliberate violation of my rights, and I will not hesitate to pursue all legal avenues available to rectify the situation and seek appropriate remedies. 

To emphasize the urgency of this matter, I demand your immediate attention and action. Remove the aforementioned inquiry without delay and ensure its complete eradication from all pertinent records. 

Attached for your reference and verification are the following supporting documents : 1. XXXX XXXX XXXX  2. FTC IDENTITY THEFT REPORT I expect a written confirmation of the inquiry 's removal within a reasonable timeframe, affirming that my consumer report and associated file have been thoroughly purged of this derogatory information. 

Take this demand seriously, as any further delay or noncompliance will be met with swift and decisive action. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2021-09-01
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)

On XX/XX/2021 I sent a letter to XXXX  and TransUnion about a fraudulent account reporting on my credit report. The account was deleted from XXXX  but continues to report to TransUnion and I have not received a response in regards to my dispute. 
Please see attached Identity theft affidavit and the letter that I wrote to the bureau 's it was attached with my ID and Proof of address.
Consumer complaint received 2023-07-21
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: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these inquiries at once I did not authorize them to process these. Thank you
Consumer complaint received 2019-09-05
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: First Investors Servicing Corporation, Atlanta, GA Branch (TX)

I was late on my monthly payment - the company offered me a plan to pay a lower amount - instead of {$420.00} I was supposed to pay {$350.00} for six months. The company asked me to send some documents by fax like proof of salary, insurance - I did it twice and they said the documents were not legible - after that they asked me to send the documents by regular mail to an office in XXXX - I did it and they insisted those documents could not be read - they asked me to pay {$600.00} dollars but when I tried to pay they said they can not accept the money because they were having problems with the computer. Every time I offer to pay they refused to accept the money, and instead accepting payments they threaten me that if I dont pay them XXXX XXXX dollars they will repossess two cars. I offered to pay them {$450.00} dollars every two weeks and the company refused to accept the money. I dont want the plan they offered me - I just want the company to accept my payments every two weeks but I can not do it online and they dont accept the money by phone unless is the whole amount of XXXX XXXX dollars. I have the names of all the employees with whom I have been in contact with and I have the impression their behavior is like the strategy the XXXX XXXX employees had from their bosses to make the situation worse for the people with mortgages that led them to lose their property and even the health of their children.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Per 31 U.S. Code 3104 Certificates of indebtedness and Treasury bills ( b ) Notwithstanding section 3121 ( a ) ( 5 ) of this title, the payment date of certificates of indebtedness and Treasury bills may not be more than one year after the date of issue. Which stipulates 31 U.S. Code 3121 Procedure : ( a ) In issuing obligations under sections 31023104 of this title, the Secretary of the Treasury may prescribe ( 1 ) whether an obligation is to be issued on an interest-bearing basis, a discount basis, or an interest-bearing and discount basis ; ( 2 ) regulations on the conditions under which the obligation will be offered for sale, including whether it will be offered for sale on a competitive or other basis ; on the basis of this the company did not report accurately in fact is in violation of 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' They did not get my written, verbal or electronic authorization to conduct or report to any which also puts them in violation of 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. With this all being inaccurately reported is in fact a violation of the Privacy Act of 1974. This account is an adverse item they are reporting again without my permission which is against the law.
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I recently discovered my credit score had been affected as a charge card debt had been increased. As I have only a single credit card tie as alarming. I s som research to find the card was issued by The XXXX XXXX, of which I have no knowledge. I immediately reached out to the store only to confirm that neither my name, address, prior address or SSN had any association with this account. They then directed me to their fraud department to open an investigation. In the meantime I disputed with all 3 credit reporting agencies. I received my first response from Experian that as the card issuer confirms the information to be correct, it will remain. This is insane. Whos card is this and how does this just happen? Im supposedly an Authorized User for whom?? I have not advised or approved this for anyone and to be penalized for this fraud is an outrage. I in turn have redisputed this bogus fraud. I am in the process of purchasing another home and will not have this negatively affect my forthcoming interest rate. As I plan to close within the next 60 days, your prompt attention and response is greatly appreciated. 

Many Thanks, XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2021-08-31
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: CITIBANK, N.A. (GA)

I recently discovered my credit score had been affected as a charge card debt had been increased. As I have only a single credit card tie as alarming. I s som research to find the card was issued by The Home Depot, of which I have no knowledge. I immediately reached out to the store only to confirm that neither my name, address, prior address or SSN had any association with this account. They then directed me to their fraud department to open an investigation. In the meantime I disputed with all 3 credit reporting agencies. I received my first response from XXXX  that as the card issuer confirms the information to be correct, it will remain. This is insane. Whos card is this and how does this just happen? Im supposedly an Authorized User for whom?? I have not advised or approved this for anyone and to be penalized for this fraud is an outrage. I in turn have redisputed this bogus fraud. I am in the process of purchasing another home and will not have this negatively affect my forthcoming interest rate. As I plan to close within the next 60 days, your prompt attention and response is greatly appreciated. 

Many Thanks, XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-11-02
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. (NJ)

Accounts PORTFOLIO CAPITXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO XXXX XXXX PORTFOLIO XXXX XXXX This inquiry is not mine XXXX XXXXXXXX XXXX
Consumer complaint received 2022-12-23
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. (IL)

PLease note, I'm not using any third party for this matter. 
RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized credit inquiry had been made. 
I contacted Creditors, who conducted the inquiries and asked them to remove their credit inquiry from my credit report : XXXX date of inquiry XX/XX/2021 Data sets related to inputting of accounts were not Metro 2 Compliance Payment status data listed is mismatched, compared to other credit. 

XXXX  dare of XXXX XX/XX/2021 XXXX sets related to inputting of accounts were not Metro 2 Compliance Payment status data listed is mismatched, compared to other credit. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2021 XXXX sets related to inputting of accounts were not Metro 2 Compliance Payment status data listed is mismatched, compared to other credit. 
I request that you investigate these inquiries on my credit report to determine who authorized the inquiries. If you find my allegation to be true once your investigation is complete, please remove the inquiries and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter,
Consumer complaint received 2022-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

ATTENTION DISPUTE DEPARTMENT PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1981 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2021-08-31
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)

This XXXX XXXX and I am working on my OWN credit to fix the current issues I am having with you. Please process my request and do not use any stall tactics as I am using CFPB to track your blatant refusal to assist me. I do plan on suing if I need to. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. 

XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX