davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-30
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. (CA)

You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy.

I did an investigation on my credit report which causeddepression upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. CODE 1681e ( b ) Accuracy of Report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the informationconcerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if after, any reinvestigation under paragraphs ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer report agency shall ( i ) promptly delete that item of information disputed by the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation-and ( ii ) promptly notify the furnisher of that information that the information has been modified of deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after you the accounts and or the information. 

I demand you delete the late payments from my XXXX  XXXX account # XXXX ASAP.
Consumer complaint received 2017-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TN)

I had my identity stolen and credit cards were used without my authorization. I filed a police report and contacted the companies that had accounts opened without my authorization. Most of the companies worked with me and removed the accounts from my credit report but one did not they have since sold the debt to a collection company. I 've tried to resolve the issue with the credit card company and do not want to pay something that i did n't use but they still report the charge off on my credit report and its effecting my ability to get the best rates on loans.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-17
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. (NV)

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. 

Account name : XXXX XXXX XXXX XXXXXXXX, 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 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.
Consumer complaint received 2022-05-30
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. (CA)

You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy. 

I did an investigation on my credit report which causeddepression upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. CODE 1681e ( b ) Accuracy of Report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the informationconcerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if after, any reinvestigation under paragraphs ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer report agency shall ( i ) promptly delete that item of information disputed by the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation-and ( ii ) promptly notify the furnisher of that information that the information has been modified of deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after you the accounts and or the information. 

I demand you delete the late payments from my XXXX XXXXXXXX account # XXXXXXXX XXXX
Consumer complaint received 2022-12-17
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: EQUIFAX, INC. (AL)

XXXX XXXX XXXX XXXX XXXX failed to provide documentation due to it's have the wrong social security on file does not have state identity card number by government law wrong personal use my personal information with a different social security number these should be removed off my credit report should not be reported no more
Consumer complaint received 2022-05-30
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. (MA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.C.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 2024-04-10
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Partners Financial Services Inc (FL)

I am writing to file a formal complaint regarding my enrollment at XXXX XXXX and XXXX XXXX from XX/XX/XXXX to XXXX. The XXXX, located in XXXX, Florida, has engaged in unfair practices in collaboration with Partner Financial Services Inc. which has resulted in a significant financial burden and violation of my consumer rights. 

Upon completion of the program, I was unexpectedly informed by the XXXX  staff that I owe the school a total of {$6100.00}, a sum that was previously undisclosed to me. Furthermore, I was pressured to sign a contract with Partner Financial Services, a requirement I did not agree to. The terms of the contract were unjustly stacked against low-income students, constituting a breach of trust and fairness. 

Despite my refusal to sign the contract due to its exploitative nature, the school threatened that my credentials would not be forwarded to the appropriate department for licensure as a XXXX  XXXX  or XXXX. This coercive tactic effectively forces students into signing under duress, a clear violation of consumer rights and ethical business practices. 

I have taken the necessary steps to inform the Department of Education and the Attorney General 's office about this matter, seeking intervention to rectify the situation and hold both the XXXX  and Partner Financial Services accountable for their actions. 

I urge for a thorough investigation into the conduct of XXXX XXXX  and XXXX XXXX and XXXX XXXX XXXX, and I request that appropriate measures be taken to address this issue and protect the rights of all students affected by these unfair practices. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of fairness and integrity in educational finance practices.
Consumer complaint received 2023-10-17
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. (AL)

I received a copy of my credit report and am writing & complaining to dispute the following information that appears on my transunion report. 
Please verify or remove immediately the following account : XXXX XXXX XXXX XXXXI dont recognize this lender and account.Please remove this inaccurate information from my credit report. 



By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 2022-06-19
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. (IN)

I had a credit card through XXXX XXXXXXXX XXXX XXXX through XXXX  XXXX opened XX/XX/2019 which was purchased by XXXX XXXX this year. I had payments set on autopay and was never late. 
When the acquisition occurred it was not communicated to me by mail or email and the autopayments were shut off. 
I received a notice that a payment was past due from this company I never opened an account with an had never done business with. Confused, I called them and they told us they acquired my XXXX XXXX XXXXXXXX XXXX XXXX and they didn't keep my autopay active, I immediately asked if this would affect my credit, they assured me it was not as it was a result of the acquisition and many customers had the same issue. 
I set up autopay and made a payment the following month they didn't process the auto pay and we went through the same process of waiting on hold for 45+ minutes so I just paid the balance in full of more than {$4000.00} on XX/XX/XXXX to avoid dealing with the incompetence. Then, they reported me late and my credit score dropped by 29 points as a result of their false report. 
I have never had a late payment on this account or ANY account in the last TWENTY YEARS of my life. I am BEYOND frustrated with this company, its 45 minute hold time, violations of federal law in both communications, payment and managing acquired customer accounts. 
This business had legal obligations to communicate with its acquired customers regarding automatic payments and it failed to do so. 
This business falsely reported a late payment adversely affecting my account in violation of the FCRA
Consumer complaint received 2024-04-10
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (FL)

Sunrise Credit Services on behalf XXXX XXXX XXXX XXXX XXXX has attempted without notice, verification, or due process to collect on a fraudulent account created by XXXX XXXX XXXX XXXX XXXX. XXXX & XXXX defrauded me by creating an order, not delivering the products of the order, and not providing mobile service on the undelivered products of the order, then billing me for an order and service that was never provided, and finally sending the account into collections. Sunrise Credit Systems did not notify me in writing of the debt and did not provide me verification of the debt.
Consumer complaint received 2022-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (CO)

I talked to Synchrony Bank at approximately XXXX today, XX/XX/2022 and spoke with XXXX and XXXX XXXX in the fraud department. 
They could not give me any information on my account because there was a hold on it to establish identity. There was an elaborate process which I went through... taking my picture and a picture of my driver 's license front and back. by way of a link but the system said my pictures were blurry and XXXX said the only way left was to mail me a letter with a code and I could call in and tell them the code. The letter would take 10 days and my account payment date is in 8 days so I would be in default. I went through this same process last month but I completed it and this time it wouldn't go through. 
My account shows a O balance but that can't be true because there are monthly charges that come through every month and I can't get access to them or see them on 'activity ' for last month. They also say I am not allowed to have any information on my account verbally because I haven't established identity.
Consumer complaint received 2022-12-18
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. (SC)

XXXX, TransUnion and XXXX all should be reporting the same information for account statuses and amounts. They are not. There are major differences in my report. XXXX is reporting delinquency on XXXX XXXX, XXXX XXXX, XXXX XXXX but TransUnion and XXXX doesnt show either account on those reports. I want these DELINQUENT ACCOUNTS REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2022-05-30
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. (MD)

In accordance with the fair credit reporting act XXXX acct # XXXX, XXXX Acct XXXX XXXX, and XXXXXXXX XXXX  acct XXXX XXXX have 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 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692 C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-05-31
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX 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 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: Experian Information Solutions Inc. (SC)

In accordance with The Fair credit reporting act the list of accounts below has violated my federal protected consumers rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (FL)

My boss XXXX XXXX XXXX  years ago opened an account under my social at BB & T bank here in XXXX XXXX FL. A month later she fired me after confronting her with theft and fraud. When I finally got in touch with fraud, I was told that my phone number was told by XXXX the number was wrong and she gave them her number. I also had a XXXX XXXX account she opened with the same effect.
Consumer complaint received 2024-02-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX, California XXXX Dear MIDLAND CREDIT MANAGEMENT, I am writing to address your [ letter or phone call ] dated XX/XX/2023, a copy of which is enclosed, as I contest the validity of the asserted debt. 

This marks the initiation of communication on this matter, and pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically under section 809 - Validating Debts, I insist on a comprehensive written response providing the following information : 1. A detailed breakdown of the alleged debt and its origin ; 2. A clear and transparent exposition of the calculations leading to the purported amount owed ; 3. Provision of all documentation demonstrating my agreement to the indebtedness ; 4. Identification of the original creditor in question ; 5. Verification or furnishment of any judgment pertaining to this matter ( if applicable ) ; 6. Presentation of evidence of your licensing in accordance with the laws of my state, along with relevant license numbers ( if applicable ).

I am acutely aware of my rights under both the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. It is imperative that you understand : Any imposition of interest or fees is permissible only as stipulated in the original contract and state legislation.

Your obligation to respond to this dispute is limited to declaring your intent to either cease collection efforts or pursue lawful avenues for debt recovery.

Pursuing a judgment without adequately validating the debt will be contested in a legal forum, and non-compliance with FDCPA guidelines will be brought to the courts attention.

I explicitly communicate my decision to record all telephonic conversations, preserve all correspondence, and promptly report any violations to the State Attorney General, the Federal Trade Commission, and the XXXX XXXX XXXX

Given that I have formally disputed this debt, any reporting to credit-reporting agencies must reflect its disputed status. Failure to adhere to this requirement violates the Fair Credit Reporting Act ( FCRA ) 1681s-2.

In the event that you do not hold the rights to collect this debt, I demand immediate transmission of this dispute letter to the original creditor for their awareness.

Concluding, pursuant to section 805 ( c ) - Ceasing Collections, of the Fair Debt Collection Act, I assert my right to be contacted solely via official mail. Any correspondence should be limited to notification of the termination of debt collection efforts or specific actions permitted by law. 

Your adherence to these directives is expected, and I anticipate your prompt and thorough response to this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

Navient withdrew my usual automatic monthly payment amount of {$260.00} from my checking account on XX/XX/XXXX, but then again ( unauthorized ) on the following day, XX/XX/XXXX. I noticed on XX/XX/XXXX that my bank account was deeply in the negative, and am now accruing multiple fees from my bank, and my credit score is being ruined because of automatic payments i have set up with other bills. Their customer service representatives were able to issue a refund but said it could take until XX/XX/XXXX, which I can not wait for without facing some very dire financial situations.
Consumer complaint received 2017-10-08
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: DriveTime (NC)

To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XXXX, & XX/XX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard  inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.