davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Assistance Inc (CO)

XXXX XXXX XXXX  account # XXXX I am unaware of this debt. I didn't have an opportunity to dispute this debt. I didnt receive proper notification of this debt. If in fact you believe you gave me proper notification as required by federal law, please send me the certified mail receipt with my name on it and signature validating that I received proper notification from you.
Consumer complaint received 2022-06-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

After sending a letter of debt validation to Portfolio Recovery, I received a response letter that did not include any documentation that confirms that I am responsible for the debt. It did not include an original contract, personal identification, signatures, or any other verifiable documents. The response only included a billing statement. In. addition to a supervisor admitting on a recorded line that they did not send initially send the necessary documents, thus putting them outside of the allotted 30 days to respond. This is a direct violation of my rights under the FCRA Law. Therefore, I want Portfolio recovery to IMMEDIATELY stop reporting these accounts to XXXX, XXXX, and XXXX. In addition to removing all previous incorrect reports/information from previous months. 

Account XXXX
Consumer complaint received 2022-02-24
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. (VA)

I am, XXXX XXXX, consumer and natural living person submitting this complaint and there is no third party involved. Equifax committed fraud on my consumer report, and I did not consent, benefit nor authorize these collections or hard inquiries on my report. I demand Equifax to remove immediately.
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (WA)

Several months ago my wife and I purchased a vehicle and paid cash. As part of the transaction a credit check was done, although unnecessary since we were paying cash. But the score came back far less than what we expected. Experian, a well know reporting agency, offered a look into our report for negative things that might be impacting our credit score so we opted to sign-up to have a look. 
We were instantly bombarded with emails from Experian, advertising on things from how to boost our score or protect our credit. So much so that after a couple of weeks I decided to withdraw my " membership '' and asked to cancel any further communication. But they were relentless. Even though they sent me acknowledgements of my opting out the emails continued and my responses became more demanding. In XXXX I was totally exasperated and sent the following in an email, " STOP, REMOVE, CEASE, DESIST and QUIT sending me anything UNSUBSCRIBE me from all. If this message doesnt get through to you and work this time I will start filing complaints at the state and federal level '' ( sent XX/XX/XXXX ) Their acknowledgement was, " You're now unsubscribed, XXXX If you change your mind, tap here to customize your preferences so you only receive emails about the stuff youre interested in. 
Just a note that youll still get notifications any time your credit or identity info changes, since automatic updates are a part of your membership benefits. 
Still have questions? Please visit the Experian help center for additional questions. '' ( received XX/XX/XXXX ) However the emails just kept coming, despite my warnings that I would report this. I can not get this company to remove me from their database and this is now beyond harassment. My latest response to their email advertising on XX/XX/XXXX was, " On XX/XX/XXXX you assured me I was unsubscribed in an email, now this email, more than a week later. Are you people just idiots or what? Next thing will be a litigation against you to compel you to stop. THIS IS HARRASSMENT! " ( sent XX/XX/XXXX ) When an agency such as this disregards the law and continues to send countless emails what other protections are available besides litigation and complaints? Their reckless disregard for privacy is apparent. 
I have quite a number of emails that I would be willing to share, which clearly show a pattern of abuse by this company.
Consumer complaint received 2022-06-05
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act XXXX  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 an account without my written instructions
Consumer complaint received 2022-06-05
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

There is a USAA credit card loan and balance on my credit report that is not me. I filed a report With USAA and XXXX for fraud and identity theft. I contacted USAA on XX/XX/2022. I contacted XXXX a few days later and they froze my credit report and social security number. I contacted XXXX XXXX on XX/XX/2022 and they deactivated my credit card. The credit card loan balance is {$14000.00} and it is not from me. There is an address on file for my credit report that is not me. The address is from XXXX XXXX and it is not XXXX of my addresses.
Consumer complaint received 2022-06-05
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. (VA)

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 an account without my written instructions
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (FL)

I've been making regular payments to my carecredit credit card and they have been reporting me deliquent and affecting my credit negativity. I've been contacting the card company and they refuse t help me instead they have closed the account and put my account as delinquent. Included in the attachments are screenshots from my bank account of the payments that have been made.
Consumer complaint received 2022-06-05
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: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX Acount # 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
Consumer complaint received 2024-04-11
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

While incarcerated from XXXX unemployment claims, while open under my name, and claims were payed under my name. I filed for identity theft with local enforcement, and put fraud alert of my credit report. I file a claim for unauthorized charges. Provided all documentation to Bank of America. The outcome was partially claims approved but XXXX claims were deny. the reason for denial was because Bank of America stated that transactions were authorized but thats impossible because I was in jail.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

A letter was sent early XX/XX/2015 requesting verification. It has been more than 30 days and no response or update with the status of removing invalidated information reported by this agency/company.
Consumer complaint received 2022-06-05
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX Acount # 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
Consumer complaint received 2022-02-24
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. (AZ)

The list of information and inquiries was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, TRANSUNION Bureau did not take any action to remove the incorrect information and inquiries listed below : Inquiry : XXXX  Date of inquiry XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employer : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-05
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: Experian Information Solutions Inc. (GA)

n accordance with the Fair Credit Reporting act XXXX XXXX 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 2022-06-05
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: Experian Information Solutions Inc. (VA)

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 an account without my written instructions
Consumer complaint received 2022-06-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CO)

After sending a letter of debt validation to LVNV Funding, I received a response letter that did not include any documentation that confirms that I am responsible for the debt for the two accounts. It did not include an original contract, personal identification, signatures, or any other verifiable documents. The response only included a billing statement. Therefore, I want LVNV to IMMEDIATELY stop reporting these accounts to XXXX, XXXX, and XXXX. In addition to removing all previous incorrect reports/information from previous months. 

Account XXXX and Account XXXX
Consumer complaint received 2022-12-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (MA)

I had a debt that was not mine, tried to pay it just to get rid of it. I reached out here before. The company said they would send to the fraud department and reach out in 90 days. They never once got in contact with me, not by phone or mail.
Consumer complaint received 2017-07-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NC)

I respectfully requested that your office provided me with competent evidence that I have any legal obligation to pay you ( Macys ) regarding account # XXXX. This was NOT a request for verification or proof of my mailing address, statements of the alleged account, or summary of when the alleged account was open, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b )  of the FDCPA. Now, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
Consumer complaint received 2022-02-24
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. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CO)

I recently sent a proof of debt validation to CREDENCE RM to validate that the debt they erroneously claim belongs to me. There was no original contract, personal identification, and any other documentation included in their response letter that proves that the debt belongs to me. I want Credence RM to immediately stop reporting this account to the XXXX, XXXX, and XXXX in addition to removing all inaccurate reports made up until now. 



Account # XXXX
Consumer complaint received 2022-06-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2022 The Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report. 

I have sent in several certified letters and have all tracking number available
Consumer complaint received 2022-06-05
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. (MI)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX 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 2022-06-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

We learned on XX/XX/XXXX Shellpoint Mortgage Servicing filed foreclosure XX/XX/XXXX without waiting for payment from XXXX XXXX XXXX XXXX XXXX that was credited in error from XXXX - XXXX for our payments during XXXX, {$52000.00}. Shellpoint is not giving us credit for {$3300.00} payments from XX/XX/XXXX - XX/XX/XXXX, XXXX and XX/XX/XXXX {$54000.00} even though we sent two-sided copies of the cancelled checks, and they returned payments from XXXX - XX/XX/XXXX, XXXX and XX/XX/XXXX and XXXX - XX/XX/XXXX and are saying we have not paid for XXXX years. They said we must pay over $ XXXX. They did not notify us of the escrow increases in XXXX and XXXX and are not cashing our checks sent to make up the differences and current escrow payments of {$5100.00}.
Consumer complaint received 2022-06-05
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: Stevens Business Service, Inc. (NY)

Stevens Business Services was sent a Validation of debt letter mailed on XX/XX/22 which was delivered on XX/XX/22. The company responded and sent a letter back to me on XX/XX/22. Unfortunately the information is unresponsive to my demand for a Validation of debt from Stevens Business Services, I demanded proof ( NOT A ITEMIZED BILL ) that I owed Stevens Business Services money and that they Validate that information. The documents that they sent back does not show that I owe Stevens Business Services any money, proper validation performed, nor is their name listed on any of the documents that were sent showing that I owe any money to Stevens Business Services Please see attached 1. Validation of debt letter sent to company 2. Document of Itemized bill sent, Not a Validation of Debt which was demanded
Consumer complaint received 2022-06-05
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Exeter Finance, LLC. (TN)

Company has performed numerous unfair credit reporting acts to intentionally damage my credit. My attorney stated that Exeter Finance LLC sold this alleged debt to a debt collector, which I am unaware of, and that you Exeter Finance LLC is in violation of fair credit reporting practices. 

The alleged debt is a closed debt with no balance owed and Exeter Finance LLC has benefited from having sold this alleged debt. Law states that as the original creditor they can not continue to report a balance due if they have sold the account to a collections agency. The only exception in which they can report is if it is in a charge off status which it is not and therefore, they have to delete the item.
Consumer complaint received 2022-06-05
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. (FL)

This is my third request Credit bureaus stated that on my credit report that they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, date last reported is not accurate, also date of last payment, and no. of months inaccurate. This grounds for removal. 

These Accounts include : XXXX Account # XXXX They also violated my rights under : 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2022-06-05
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. (ND)

XXXX XXXX XXXX- I dont know about this in my credit report XXXX- I only had 1 account with them and it appears 2 on my credit report XXXX  XXXX XXXX  XXXX- I have no knowledge of this
Consumer complaint received 2022-06-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc. (OH)

received notice on my credit report from credit management lp about a debt for {$110.00} for a medical bill, never received a letter from this company nor any information concerning the debt. 
informed company that i have complete and full medical coverage via XXXX  and XXXX  insurance which would cover XXXX percent of any dr.visit, x ray or procedure etc. and that they should call them to discuss whatever debts are owed if any. 
dates of XXXX are in error i have not sought any medical attention during that time frame or encored any debt. 
they have refused to do so or address this they have refused to produce any information showing this is my debt and have not responded or notified me of said debt or proven debt is mine.
Consumer complaint received 2022-06-05
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. (NY)

I have unauthorized inquiries on my report and would like it to be removed, If you can not provideproof such as a signature in writing form stating that i authorized these accounts & inquiries according to the FCRA any inaccurate items on my Credit report that isn't % 100 verifiable or accurate must be removed immediately it is not Metro-2 compliant or meet E-oscar requirements, Please remove items immediately!!
Consumer complaint received 2022-06-05
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. (NY)

I have unauthorized inquiries on my report and would like it to be removed, If you can not provideproof such as a signature in writing form stating that i authorized these accounts & inquiries according to the FCRA any inaccurate items on my Credit report that isn't % 100 verifiable or accurate must be removed immediately it is not Metro-2 compliant or meet E-oscar requirements, Please remove items immediately!!
Consumer complaint received 2022-06-05
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX  has violated my rights. These are the names that appear on my credit reports 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not fumish an account without my written introductions