davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-02
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 (NJ)

I am writing to address a serious non-compliance issue concerning your failure to provide me with the initial and annual Consumer Personal Financial Privacy Policy Notices as required under the Gramm-Leach-Bliley Act ( GLBA ). 

The GLBA mandates that financial institutions, including debt collectors like Portfolio Recovery Associates, must deliver privacy notices to customers both initially and annually in writing. These notices are essential to inform consumers about how their non-public personal information ( NPI ) is collected, used, and protected. 

As a consumer, I have never received any such privacy notices from your organization. This lack of compliance violates the GLBA privacy rule, which applies broadly to financial institutions that provide services to individuals engaged in financial activities. This category includes banks, debt collectors, mortgage lenders, and similar entities. The confidentiality of NPI is paramount, and your failure to provide these notices undermines this principle.

According to the GLBA, non-compliance carries significant penalties : Financial institutions can be fined up to {$100000.00} per violation. 
Officers and directors can be fined up to {$10000.00} per violation. 
Individuals can face imprisonment for up to five years for serious violations.

In light of this non-compliance, I demand the immediate removal of the account associated with Portfolio Recovery Associates from my consumer report. Failure to address this issue promptly will leave me with no option but to file a formal complaint with the Federal Trade Commission ( FTC ) and NJ STATE ATTORNEY GENERAL, CONSUMER AFFAIRS pursue the aforementioned penalties and damages. 

Please provide a written response confirming the removal of the account from my consumer report and detailing the measures Portfolio Recovery Associates will take to comply with GLBA requirements. Your prompt attention to this matter is essential to avoid further legal actions.
Consumer complaint received 2021-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX, Mi, XXXX Dear all, believe your company has violated several of my consumer rights. Specifically you : - Failed to validate a debt at my requestFDCPA violation -Continued to report a disputed debt to the CRAFCRA violation Not only have you ignored my prior requests for validation of debt ( proof enclosed- receipt copies or letter copies ), but you continue to report this debt to the credit bureaus, causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : Validation of Debt Request - Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak, but failed to do so. Therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 
I expect to receive proof requested above, within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted. 


The Debts involved are as follows : XXXX XXXX {$1600.00} XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-12-19
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)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Someone has taken complete control of my identity.I have been getting notification that the same companies keep sending credit bureaus request for my credit report .I have not applied to any of the companies that is on this report and not sure who has my personal information and how there able to use it at free will.I have been trying to contact the credit bureaus by phone trying to explain this issue but as of today they have not been able to resolve the issue ..Please Please help me take back my life this has truly been a XXXX
Consumer complaint received 2023-08-02
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: EdFinancial Services (GA)

EDFINANCIAL SERVICES XXXX XXXX XX/XX/2017 balanced owed {$2200.00} EDFINANCIAL SERVICES XXXX XXXX XXXX XX/XX/2017 balanced owed {$1200.00} XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX balance owed {$0.00} XXXX XXXX XXXX XXXX XXXX UNI XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE DISPUTED WITH THESE COMPANIES ABOUT THE FALSE INACCURACIES. ACCORDING TO 15 U.S CODE 1681A ( 2 ) ( B ) THEY HAVE NO PERMISSIBLE EVIDENCE. 
PLEASE REMOVE IMMEDIATELY
Consumer complaint received 2021-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

TransUnion continues too violate consumers and FCRA by purposely reporting lies and inaccurate information for the sole purpose of damaging reports and scores. I have made MANY of complaints too CFPB yet nothing has been done about this issue. 

TransUnion has many errors and lots of inaccuracies throughout my entire credit report. Refusing to correct anything. I have contacted an attorney about the issue and will be seeking damages. 

TransUnion has continued too ACTIVELY report discharged debt which is about 4.5 years old. 

XXXX also continues too have inaccurate information on this same account. 

The name of the creditor is XXXX XXXX XXXX XXXX mortgage, The name has been altered many times too benefit their legal reporting needs. Because this company has been OUT of business, its solid evidence that the active reporting is in fact the reporting agencys doings. I thought government agencies like that of CFPB holds the responsibility of helping protect the consumer when companies are in violation of the law and the consumer. I have well over 30 complaints with CFPB, maybe resolving 2 issues at tops. 
That is totally unacceptable coming from a government agency. 

If others are able too read this and got nothing resolved, YOU arent the only one! 
I keep all my records on reports as Im sure the courts will want too know the involvement of the CFPB. 


The company is 100 % NOT adding remarks too my report, its TransUnion and XXXX BOTH ARE FRAUDULENT A company gone out of business does NOT still actively report! Evidence of FRAUD AND STOP SAYING YOU CANT IDENTIFY MY IDENTITY BC YOUR LYING! If TRANSUNION cant ID me then QUIT adding information too my credit report, QUIT providing my credit report and score too creditors, QUIT asking me too IDENTIFY myself because if I did, how would you even know whom too compare it too? JUST STOP ALL THE FRAUD already! Nothing has changed, absolutely nothing! TRANSUNION can verify my ID through the United States Federal Court during the XXXX XXXX
Consumer complaint received 2021-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX, Mi, XXXX Dear all, believe your company has violated several of my consumer rights. Specifically you : - Failed to validate a debt at my requestFDCPA violation -Continued to report a disputed debt to the CRAFCRA violation Not only have you ignored my prior requests for validation of debt ( proof enclosed- receipt copies or letter copies ), but you continue to report this debt to the credit bureaus, causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : Validation of Debt Request - Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak, but failed to do so. Therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 
I expect to receive proof requested above, within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted. 


The Debts involved are as follows : XXXX XXXX {$1600.00} XXXX XXXX {$250.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Dear Experian, XXXX, and XXXX - After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. 

This is my second time dispute this account and I have not receive adequate updates on the status of my disputes. 

( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed. 

The items in the letters attached should all be removed from my consumer report under 15 US Code 1681i ( 6 ) as it has been over 45 days and you failed to comply.

under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Consumer complaint received 2021-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

The issue is I got a text claiming to be from Bank of America saying my account is frozen due to suspicious activity and gave me a link to click. 

Banks don't do that with a mysterious link. 

I logged directly into my bank account there was no suspicious activity nothing was frozen blocked, etc. 
Phone number is came from is XXXX. 
Bank of America : Your online account is temporarily locked due to suspicious activity. Please login and verify your information here : XXXX That is not Bank of America link , I do not click links. Bank of America uses 800 numbers, even though their nationwide I have a Virginia account so my numbers would come from a Virginia telephone number not Washington DC.
Consumer complaint received 2023-03-01
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. (IL)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1700.00}
Consumer complaint received 2021-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear XXXX, XXXX, and Transunion - After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. 

This is my second time dispute this account and I have not receive adequate updates on the status of my disputes. 

( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed. 

The items in the letters attached should all be removed from my consumer report under 15 US Code 1681i ( 6 ) as it has been over 45 days and you failed to comply. 

under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ).
Consumer complaint received 2021-12-19
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2021-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NC)

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft.
Consumer complaint received 2021-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft.
Consumer complaint received 2019-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

XXXX acquired auto installment loan from XXXX XXXX XXXX  XXXX TEXAS-LOAN OFFICER XXXX XXXX XXXX, LOAN NUMBER XXXX, PRINCIPAL {$16000.00}, XXXX XXXX XXXX XXXX, XXXX XXXX I CONTACTED XXXX XXXX XXXX LOAN OFFICER XXXX XXXX XXXX ABOUT ANOTHER AUTO INSTALLMENT LOAN XXXX XXXX XXXX XXXX FROM XXXX XXXX XXXX GA, XXXX XXXX PAID OFF THE XXXX XXXX XXXX XXXX  REMAINDER BALANCE BUT XXXX XXXX XXXX   NEVER POSTED THIS ON EXPERIAN CREDIT FILE, I CONTACTED XXXX XXXX CREDIT REPORTING DEPT WITH NO POSITIVE RESULTS, XX/XX/XXXX I CONTACTED XXXX  FILED A REPORT, XX/XX/XXXX THE SENIOR VICE PRESIDENT XXXX XXXX XXXX Senior Vice President XXXX XXXX XXXX  XXXX. XXXX  XXXX XXXX, TX XXXX P : ( XXXX ) XXXX C : ( XXXX ) XXXX XXXX XXXX assured me this matter will be fixed before the next credit report, XXXX XXXX I went on FREE CREDIT REPORT uploaded a copy of the XXXX XXXX XXXX  XXXX XXXX XXXX  payoff loan document,, XXXX I CONTACTED EXPERIAN REP XXXX PHONE NUMBER XXXX, XXXX tells me to call him back with the loan number and he will take care of this problem,XXXX XXXX XXXX  I called Experian Rep XXXX to give him the Loan info Then XXXX tells me he cant help me, XXXX tells me XXXX XXXX XXXX  has to send the information..I contacted XXXX XXXX XXXX XXXX XXXX   credit reporting officer XXXX XXXX phone number XXXX..Mr XXXX XXXX me XXXX he sent in the trade line to Experian credit reporting agency..XXXX Mr XXXX XXXX said he contacted Experian corporate office in Illinois and spoke to the Experian main office then Mr XXXX tells me he will call me Today XXXX Mr XXXX did not call me Today it is XXXX XXXX The XXXX XXXX XXXX XXXX has NOT POSTED ON MY CREDIT FILE
Consumer complaint received 2021-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Experian, XXXX, and XXXX- I demand you to comply. 

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. 

( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed. 

The items in the mailed letters attached should all be removed from my consumer report under 15 US Code 1681i ( 6 ) as it has been over 45 days and you failed to comply. 

under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Consumer complaint received 2021-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX, Transunion, and XXXX- I demand you to comply. 

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. 

( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed. 

The items in the mailed letters attached should all be removed from my consumer report under 15 US Code 1681i ( 6 ) as it has been over 45 days and you failed to comply. 

under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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