davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio (FL)

On XX/XX/2018, I was contacted via telephone by XXXX XXXX, from XXXX XXXX XXXX. She indicated I had a debt in her office and the original creditor was XXXX XXXX XXXX. I advised her I didn't know who they were. I had seen them on my credit report before. She advised me that even though the original creditor was XXXX XXXX XXXX, the debt from XXXX XXXX was from XXXX XXXX XXXX. She said she had the contract with my signatures on them and would email them to me that same day which she did. I then advised her, there is another collection agency reporting on my credit report for this same original creditor ( XXXX XXXX ). She, XXXX, said there shouldn't be another agency looking to collect for this same debt. I told her I would review the materials she sent and act accordingly, end of that conversation. The collection agency XXXX XXXX XXXX XXXX has listed themselves on my credit report as collections for the amount of {$2000.00}. Now the issue I have is XXXX XXXX is also listed on my credit report and the original creditor is also XXXX XXXX XXXX. I have carefully reviewed both contracts that each collection agency has sent and it appears they have taken the contract and split it in two. Both contracts are signed the same day and in section 4 of one of the contracts, the payment amounts are the same. It also has the words written XXXX XXXX by the security consultant. One contract is for 33 months but the other says 36 months. Both contracts have my signature however the signature/date for the sales consultant is different on each contract. 

I decided to cancel my contract as I didn't even own the house I was living in at the time and only contacted XXXX XXXX XXXX   as the house I was living in was broken into 1 week after I moved in. After learning from the owners of the house they would not be responsible for the security system, I canceled the contract. I didn't make 1 payment. The company continued monitoring even with no payment made. 

I have attached a front copy of both contracts sent to me for your review. There appears to be abusive, unfair, and deceptive practices by both parties involved which is a violation of the FDCPA. When I asked for validation of debt, XXXX XXXX only sent the top copy ( 1 page ) of the contract while XXXX XXXX XXXX sent the remaining pages of the contract. 

Lastly, I went to my state 's Office of Financial Regulation page to verify the license of XXXX XXXX XXXX and to verify if they are licensed to collect in my state. My state 's page show 's NO RESULTS FOUND for this company. This means they are either not properly licensed to do business as a collection agency or operating under a different name, which both are illegal.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-10-13
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 XXXX XXXXXXXX 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 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$7400.00} XXXX XXXX Balance : {$280.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-12-18
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. (GA)

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 a account without my written instructions.
Consumer complaint received 2023-05-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Everest Receivable Services Inc. (TX)

Everest Receivable Services is attempting to collect a debt that I do not owe. I took out a loan at XXXX XXXX  and decided to not go through with the procedure. I emailed XXXX XXXXt and received a email, confirming that the loan was canceled.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

In XXXX. I got a charge not made on credit card. That had me place a freeze on all three credit XXXX, Equifax and XXXX, I need a credit card and wanted to unfreeze my account. 
At which time I found that my Equifax, had allowed the people to change my middle name and I was not me. In XXXX. I received credit reports having no charges on them now there are many and the say I am not me, because my middle name did not match. XXXX will not give me a credit report nor answer any questions. I have sent a copy of my drivers license and SS to Equifax and as said I have nothing from XXXX. I am looking for where and how I stop this invasion of my life. He/She had found me on XXXX. and have all my personal information.
Consumer complaint received 2022-06-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC (NY)

Early this year, I have received a mail from " unknown '' sender only with the address XXXX XXXX, XXXX XXXX, XXXX, CT XXXX. When I opened the mail, it was unidentified dept amount without any details and the body of the letter was stating that they will file a lawsuit. I called the company Cavarly SPV I and the representative was saying that they will file a lawsuit if I do not pay the debt. I wasn't sure what this dept is all about so I asked them if they could provide details and the personnel just hung up the phone. After months later, I filed a dispute to the credit bureau, and oddly the very next day XX/XX/2022, Cavrly SPV I LLC filed a lawsuit through XXXX XXXX XXXX XXXX without the open dispute being verified and summon was delivered on the XX/XX/XXXX around XXXX. This XXXX companies seem to me, they are coordinating to collect the credit dept in unethical way based on the timeline of the procedure they have made, not to mention the written and verbal threats that were made by Cavalry SPV I LLC.
Consumer complaint received 2022-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (WA)

Resurgent Capital Services is sending fraudulent documents to XXXX XXXX, which is not me. They are conducting mail fraud with these actions as well as contract fraud, racketeering, and copyright infringement. 

I have repeatedly asked them to purge their records and the request is blatantly ignored.
Consumer complaint received 2022-06-01
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. (GA)

In accordance with the Fair Credit Reporting act the following creditors/ credit reporting agencies have violated my rights. 

-- XXXX XXXX XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- XXXX  XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- U S DEPT OF ED/XXXX # XXXX -- U S DEPT OF EDXXXX # XXXX -- US DEPT. OF EDUCATIO # XXXX -- XXXX XXXX  XXXX # XXXX -- XXXX XXXX # XXXX  -- No Acct Name # XXXX -- No Acct Name # XXXX -- No Acct Name # XXXX -- XXXX  # XXXX -- XXXX XXXX # XXXX  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 2018-10-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I received the following email today, XX/XX/18 from XXXX XXXX XXXX. I am not sure what this notice is about but I have been threatened to be sued. 

Here Plaintiff ACS ( Legal Department ) XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Defender, We are hereby informing you that my client ACS is going to file a legal case against you at XXXX XXXX. Your total outstanding with late charges, interest charges and attorney charges has been reached to XXXX which is more than enough to file a lawsuit. As advised by my client, I hereby giving you a notice before filing this case. 


Unfortunately, by ignoring these warnings you are damaging the excellent credit record you had previously maintained with company. In addition, you are incurring additional expenses to yourself and to us. 

Be notified that documents are being prepared for the issue of summons regarding the above debt. 

JUDGEMENT in this matter may lead to : ( a ) Additional legal Costs being Charged. 



( b ) Entry on the COURT JUDGEMENT REGISTER making it difficult to obtain future Credit FAILURE to make payment after judgement of Court lead to : ( a ) Seizure of assets by a Court ( b ) Attendance in Court for an Oral Examination regarding assets, liabilities, Income and outgoings ( c ) A Garnishee order attached to your bank accounts. 



( d ) Bankruptcy or liquidation You will receive a legal notice at your address within next 7 business days if this case remain unresolved. It is essential that you immediately settle this account by sending money for full amount. The consequence of ignoring this notice could be very serious. 

To settle this case contact directly XXXX XXXX and reply back to the same email. 



Sincerely, XXXX XXXX.
Consumer complaint received 2024-05-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (TX)

Freedom Mortgage did something similar on a prior mortgage. I do not know why they are allowed to be in business nor take VA benefits. 

1. My payment has changed and they have not explained why. 
2. They are escrowing for taxes that are not due based on my XXXX Veteran Status. 
3. They did not honor my insurance coverage and instead chose to purchase more expensive homeowners insurance.
Consumer complaint received 2022-11-07
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. (GA)

My rights In accordance with the Fair Credit Reporting act XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX US DEPARTMENT OF EDU Account Number XXXX XXXX US DEPARTMENT OF EDU Account Number XXXX XXXX US DEPARTMENT OF EDU Account Number : XXXX XXXX XXXX Account Number XXXX XXXX, has violated 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 2022-06-01
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, XXXX XXXX, XXXX XXXX Bank, XXXX XXXX XXXX, XXXX, Account Number XXXX, XXXX ) has violated my rights. 
15. U.S.C 1681 section 602 A. States I have the right to privacy.

15. U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-19
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)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX  {$360.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXXXXXX {$200.00}
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-06-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I haven't heard anything from these credit reporting agencies its been over 45 days since letters sent out to them. I feel like I am being ignored and been taken advantage!
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following NOT Metro 2 compliant accounts should be removed : Creditor : XXXX/XXXX XXXX XXXX- Account : XXXX**** Creditor : XXXX/XXXX  XXXX  XXXX- Account : XXXX**** Creditor : XXXX XXXX  XXXX- Account : XXXX**** Creditor : XXXX   XXXX  XXXX- Account : XXXX**** Creditor : XXXX  XXXX- Account : XXXX**** Creditor : XXXX  XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX  XXXX- Account : XXXX**** Creditor : XXXX  XXXX- Account : XXXX**** Creditor : XXXX   XXXX XXXX- Account : XXXX**** Creditor : XXXX  XXXX   XXXX- Account : XXXX**** Creditor : XXXX XXXX XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX XXXX XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX- Account : XXXX********** Creditor : XXXX XXXX - Account : XXXX**** Creditor : XXXX XXXX XXXX- Account : XXXX******** Creditor : XXXX/XXXX XXXX- Account : XXXX***** This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Consumer complaint received 2020-02-17
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. (GA)

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following NOT Metro 2 compliant accounts should be removed : Creditor : XXXX/XXXX  XXXX XXXX- Account : XXXX**** Creditor : XXXX/XXXX  XXXX XXXX- Account : XXXX**** Creditor : XXXX  XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX XXXX- Account : XXXX**** Creditor : XXXX  XXXX- Account : XXXX**** Creditor : XXXX XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX XXXX- Account : XXXX**** Creditor : XXXX  XXXX- Account : XXXX**** Creditor : XXXX XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX XXXX XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX- Account : XXXX********** Creditor : XXXX   XXXX  - Account : XXXX**** Creditor : XXXX  XXXX   XXXX- Account : XXXX******** Creditor : XXXX/XXXX  XXXX- Account : XXXX***** This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some  contractual obligation to pay this creditor.
Consumer complaint received 2023-06-24
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: EQUIFAX, INC. (FL)

the beginning of the month i sent letters to all buraus in regards to fraud accounts and inquiries reporting and still the issue has not been resolved. per 15 usc 1681b. I DID NOT AUTHORIZE ANYONE TO FURNISH ANY OF THESE LET ALONE FRAUD INFORMATION AT THAT. I WILL HAVE TO TAKE LEGAL ACTION IF THIS ISSUE IS NOT RESOLVED SOON.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.