davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-12
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Parnell & Parnell, PA (GA)

Dear Sir/Madam, I am writing to you in response to your recent communication regarding an alleged debt owed by me. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and requesting that you provide me with the following information in order to validate the debt : 1. Verification of the Creditor : Please provide me with the name and address of the original creditor, as well as the account number associated with the alleged debt.

2. Detailed Account Information : Kindly provide a detailed breakdown of the amount claimed, including the original amount, any interest or fees applied, and an itemized list of all charges. This information will help me better understand the basis for the alleged debt.

3. Proof of Agreement : Please provide documentation demonstrating a legally binding agreement between myself and the original creditor, proving that I am responsible for this debt.

4. Chain of Ownership : If the debt has been assigned or sold to your agency, please provide documentation establishing your legal authority to collect on this debt. This includes a chain of ownership that clearly identifies each successive owner of the debt.

5. Cease and Desist Communication : I am requesting that you cease any further communication with me until the requested information is provided. According to the FDCPA, once a debtor has requested validation of a debt, collection activities must cease until the requested information is provided.

I want to remind you that failure to comply with this request within the timeframe provided by law may result in violations of the FDCPA and other applicable state and federal laws. In such cases, I may be entitled to pursue legal remedies to protect my rights. 

Please note that any future communication from your agency should be in writing and directed to the address provided above. Any negative reporting to credit bureaus should be immediately withdrawn until the requested information is provided and verified. 

I expect your prompt attention to this matter. Your compliance with the FDCPA is appreciated, and I trust that you will handle this request appropriately. I look forward to receiving the requested documentation within 30 days of your receipt of this letter. 

Thank you for your understanding and cooperation.
Consumer complaint received 2021-07-26
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

I have sent to Experian unauthorized inquires which are still reporting on my credit report. I am fully aware that inquires remain on your report for 2 years, the problem is, that I did not authorize and they need to be removed immediately. 

.There are inquires showing on my credit report that I did not authorize. XXXXXXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Consumer complaint received 2021-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (FL)

I applied for a credit transaction, using my credit card to extend myself credit using navy federal credit union, as defined by the truth in lending act pursuant of 15 USC, chapter 41 subchapter 1.

They process the transaction using my credit and denied me the extension of credit.
Consumer complaint received 2021-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (OK)

Please remove all fraudulent bankruptcies 1. They stole the info and didn't have a permisseable purpose to report it. I Wrote the bankruptcy court requesting them to tell you if they reported it to bureaus, they did not, I did not consent to it pursuant to 1681b. ( 2 ) .. I want all of the bankruptcies removed ASAP
Consumer complaint received 2021-07-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Offices of Robert J. Colclough, III (CA)

from XXXX, collection company is trying to collect for an amount ~XXXX ... the collection letters do not give me any information about what the bill is for ... no doctor name, no medical procedure code ... 
i paid my out-of-pocket maximum with XXXX  in XXXX ... 
i tried to contact the collection company for information but they were not cooperative ... 
i did my due diligence, contacting hospitals and getting confirmation from them that i do not owe them any money ... 
i sent such letter explaining this to collection agency with no reply from them ... 

i feel that this is illegal business practice, and am very angry now because this company has affected my credit rating ... how they have legal right to do so? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX creditor account no : XXXX collection account no : XXXX amount due ( with interest ) XXXX note : i am at new address now ... the address of the collection letter sent to was my previous apartment : XXXX XXXX XXXX XXXX XXXX  ca XXXX
Consumer complaint received 2021-07-25
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (SC)

Acceded my account and add herself to jointaccount without knowledge or concent. Applied fo XXXX and is accessing my money and account information. Also holding and opening my usps mailed to me. Rerouted my mail to last known address.applied my tax return to her accounts.
Consumer complaint received 2021-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (MA)

In XX/XX/XXXX, National Recovery, a debt collector on behalf of XXXX XXXX, reported to all three credit bureaus that I was in default on a debt of {$240.00}. This is not true. 

I contacted National Recovery and informed them I never lived at the address in question. I provided proof. They stated they would investigate and I should submit a dispute to the bureaus. 

I submitted the dispute XX/XX/XXXX. At the end of XX/XX/XXXX National Recovery had removed their listing from XXXX  and XXXX  yet they continued to report on XXXX. 

I sent them a 93A Demand notice via certified mail informing them of their attempts to collect a debt not owed and illegal reporting on XXXX. They refused to reply or remove the account. 

I sent them a second 93A Demand notice via certified mail XX/XX/XXXX. They again refused to reply or remove the listing from XXXX. 

I sent in two other disputes to XXXX  informing them the account is not mine. National Recovery replied to XXXX  informing them the debt was " Valid ''.

I did not live at this address during the time of the utility default. I do not owe on this account. National Recovery is attempting to collect on a fraudulent account for a debt not owed.
Consumer complaint received 2021-07-25
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: EQUIFAX, INC. (GA)

I'm no expert or anything but I know for sure that the three bureaus most report 100 % accurate information to a credit report, I took a look at my credit report not to long ago and there's nothing but INCORRECT items on my credit report that doesn't even belong to me. So not only is the information inaccurate across all bureaus but the items don't even belong to me. I've disputed multiple times and the bureaus aren't taking it serious, they're continuing to report incorrect items on my credit report, I will be attaching these inaccuracies to this complaint. It's honestly ridiculous. Remove ALL of these incorrect information so I can move on with my life. You are defaming me and I feel like I'm being toyed with. I also refuse to dispute directly through any of the bureaus because they clearly will not fix the problem. I'm just sick of this all together. Literally all you guys do is defame consumers for a living.
Consumer complaint received 2021-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (NY)

In XXXX Academic year, I was XXXX XXXX XXXX XXXX with proof of transcripts from XXXX XXXX college and XXXX XXXX college. wherefore the the 90/120 Days delinquency should be remove as matter of law under Federal Truth In credit billing act with foreberance in place as a protection and suspension of payments. 

The statute of limitations for reporting XXXX and XXXX 90/120 days late has also expired. Must all be delete immediately.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX - Account XXXX : XXXX
Consumer complaint received 2021-07-25
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. (MN)

The following credit inquiry listed on my Trans Union credit report is unauthorized and fraudulent, and not my credit inquiry : XXXX XXXX XXXX XXXX, XX/XX/2021
Consumer complaint received 2021-03-21
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: EQUIFAX, INC. (GA)

The months of XXXX, XXXX, and XX/XX/XXXX have been excluded from calculation of my score. Due to this the score erroneously dropped from XXXX to XXXX in XXXX and has remained XXXX each month since. It is now XX/XX/XXXX. My score has remained XXXX in spite of on time payments on all accounts.
Consumer complaint received 2021-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (UT)

We stayed at XXXX XXXX XXXX XXXX, paid {$92.00} on this CC back on XXXX. 
The cabin was horrific by every stretch of the imagination ( i have photos and videos showing the horror, not even a rat could stay in that cabin ). My husband XXXX XXXX called into try and place a claim ; they would not talk to him since the c/c was closed. Which is absurd, because we have processed many claims on this old c/c ( w/XXXX  etc ). But NO one would help us. 
I emailed Citibank directly asking for assistance on filing this claim ; haven't heard back from them. See attached email sent along w/the attachments on the email.
Consumer complaint received 2021-07-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (CA)

On XX/XX/XXXX, I responded via certified letter to a letter I received from a collection agency in which I requested validation of the debt they claimed I owed. I requested specific signed documents showing that I owed said debt and also included a declaration to be completed, signed and dated by the authorized creditor ; then I sent the letter via certified mail with return receipt requested. On XX/XX/XXXX, my letter and its attachments ( 6 pages ) was received and signed for by the collection agency. As of XX/XX/XXXX, more than 6 months later, I have not received a response from the collection agency, yet they continue to report to the credit bureaus, a clear VIOLATION of my consumer rights pursuant to the Fair Debt Collection Practices Act. This action may constitute as FRAUD under Federal and state laws. On XX/XX/XXXX, I sent a certified letter to the credit bureaus asking that they remove said invalidated account from my credit profile. I received an updated credit report from XXXX  dated XX/XX/XXXX that showed the account was still being reported. These violations has caused me harm and must be remedied immediately. Kindly help. Thank you.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Account : XXXX/DEPTOFEDU Acct # XXXX Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint regarding the unauthorized reporting of my student loan payment history and balances by XXXX/DEPT OF EDU. I believe this action violates my rights under the Family Educational Rights and Privacy Act ( FERPA ), the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S.C. 1681, and the Privacy Act of 1974.

As a consumer, I am protected under FERPA, which grants me the right to privacy regarding my educational records. My student loan payment history and balances are considered part of my educational records and are therefore subject to the protections outlined in FERPA. XXXXDEPT OF EDU has reported this sensitive information to credit reporting agencies without my explicit consent, thus violating my privacy rights under FERPA.

Furthermore, the unauthorized reporting of my student loan information also constitutes a violation of the FCRA. Section 1681 of the FCRA prohibits the furnishing of private information to consumer reporting agencies without the consumer 's consent. XXXXDEPT OF EDU has failed to obtain my consent before disclosing my student loan payment history and balances to credit reporting agencies, thereby violating the provisions set forth in the FCRA. 

Additionally, I believe XXXXDEPT OF EDU actions may also be in violation of the Privacy Act of 1974. This Act establishes safeguards for the handling of personal information maintained in systems of records by federal agencies. While XXXXDEPT OF EDU may not be a federal agency, the principles of privacy and protection of personal information outlined in the Privacy Act are applicable to private entities as well. By disclosing my student loan information without my consent, XXXXDEPT OF EDU has failed to uphold the standards of privacy established by the Privacy Act of 1974. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX/DEPT OF EDU ceases the unauthorized reporting of my student loan information to credit reporting agencies. Furthermore, I urge the Bureau to hold XXXXDEPT OF EDU accountable for their actions and impose any necessary penalties for their violations of federal privacy laws. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to protect my rights as a consumer.
Consumer complaint received 2021-07-25
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. (IA)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.
Consumer complaint received 2021-07-24
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: EQUIFAX, INC. (PA)

Equifax credit solutions is holding a fraudulent credit card on my credit report. This happened over 8 years ago and aren't complying with FAIR CREDIT REPORTING AGENCIES LAWS AND SPECIAL SECTIONS.

My USAA CREDIT CARD WAS SENT TO " WHO KNOWS '' complete fraudulent person and I saw that I was robbed XXXX $ in 3 weeks. They have payments for fraudulent card on still good card and is messing my credit so much that it is putting my life in XXXX. So one card is fraud and second usaa card dates were put on wrong card. So fraudulent card should by year 's be off my report and the late payments should be off other card.
Consumer complaint received 2021-07-24
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. (TX)

Information on my credit report is showing up inaccurate. This is not fair to me because i can not obtain credit due to the fact that the bureaus are all reporting different dates on these accounts.
Consumer complaint received 2021-07-24
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. (PA)

Th

e creditor/ " debt collector '' has failed to adhere to Section 609 of the Fair Credit Reporting Act. With failure to send back proof including a signed application within 30 days of request, the creditor/ " debt collector '' has violated my rights and is required to remove the alleged debt. Please remove the alleged debt for the credit/ " debt collector '' has violated my rights
Consumer complaint received 2023-03-09
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. (CA)

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were 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 XXXX, WA XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AK XXXX XXXX XXXX XXXX XXXX Balance : {$49000.00} XXXX XXXX XXXX  XXXX Balance : {$18000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$620.00} ZXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-07-25
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: Experian Information Solutions Inc. (NY)

on XX/XX/XXXX i submitted a dispute to XXXX  and Experian disagreeing with the validity of a bankruptcy on my account. I sent letters and have not received any notice of any findings with in thirty days which is a violation of the fair credit reporting act.

The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. what i used to dispute this information on my report
Consumer complaint received 2021-07-23
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. (FL)

I was told that I can reach out to you all regarding accounts on my credit that Is not mine. I even saw some student loans on there and I dldnt even graduate from high school. I really need to get a larger home for my family. I'm doing this alone and need your help.These are the accounts I saw XXXX XXXX XXXX US DEP ED, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FCC, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: N26 Inc. (CA)

On XX/XX/2021 N26 BANK FROZE MY ACCOUNT AFTER WINNING XXXX $ IN DISPUTES THAT WERE PERMANENTLY CREDITED TO MY ACCOUNT. THEY PUT MY ACCOUNT UNDER REVIEW & WILL NOT GIVE ME ANY UPDATE AS TO WHEN XXXX HAVE ACCESS TO MY MONEY ALL THEY SAY IS THERE IS NO TIMEFRAME & THEY ARE INTENTIONALLY TRYING TO KEEP MY MONEY FROM ME & IVE BEEN A ACCOUNT HOLDER FOR OVER 3 YEARS