davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (MN)

This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount
Consumer complaint received 2017-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

I have never done business with AD ASTRA RECOVERY SERVICES. I do not have a signed contract nor any contract with AD ASTRA RECOVERY SERVICES. I am requesting debt validation for the alleged amount this company is reporting to my credit bureaus. This is not a request for alleged verification with a third party bill. If a signed original contract between AD ASTRA RECOVERY SERVICES and myself can not be produced you will need to remove your trade from all of my credit reports at once. You do not have permission to contact me by mail nor by telephone. Please keep all communications through the portal.
Consumer complaint received 2022-05-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (MD)

NOTE : I HAVE BEEN CONTACTED BY MULTIPLE DEBT COLLECTORS CONCERNING THIS SUPPOSED DEBT, BUT THIS IS THE FIRST TIME IVE HEARD OF THESE ASSOCIATES. 

XXXX Received a letter from XXXX XXXX XXXX XXXX, dated XXXX. The envelope has a red CONFIDENTIAL stamp on it. I opened the envelope and saw red flags. Capitalization errors, unprofessional presentation. The letter states that the original account owner is WACHOVIA/WELLS FARGO and that the current balance is {$1200.00}. It states I have continually disregarded this account and that a recommendation to file a lawsuit to collect this debt is being processed, amongst other things that suggest my prompt attention to this matter is recommended lawsuit, judgment, seriously impact your credit profile, submission to XXXX, serious legal matter, and increase the cost of collections.
Consumer complaint received 2021-06-16
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. (TX)

I am enforcing my Consumer Rights allowed by my Federal and state laws. I need you to verify all evidence from the furnisher that what they are providing you is legally acceptable and substantial proof in order for your decision for each account to remain. You are not allowed by law to speak or enact on my behalf as this is fraud, and that my friend is a major violation of the law. 


You need to have evidential proof or documents that you and the furnisher are made aware of the correct way of verification. Make sure that their information is compliant and proven. If not, I demand that you delete this illegal information immediately. 

This is the letter i sent to the credit agencies for the following accounts : Account Name : XXXX Bank Delaware Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : XXXX Account Name : XXXX XXXX Account Number : XXXX Balance : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : XXXX
Consumer complaint received 2022-05-28
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

There are a few incorrect addresses I would like removed from my credit report. i have not stayed at the addresses listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-28
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- Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX- Account # XXXXXXXX XXXX XXXX XXXX- Account # XXXXXXXX XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX XXXX All these accounts above have violated my rights. 

15 U.S. Code 1681 section 602 A. states that I have a right to privacy.

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

15 U.S. Code 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-05-28
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without mt written instructions.
Consumer complaint received 2022-05-28
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without mt written instructions.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

per the FCRA as a federally protected consumer i am now opting out of an ANY and ALL authorization that I the consumer may have given. Written, unwritten, verbal and non verbal per the 6802. Obligations with respect to disclosures of personal information. In accordance with the fair credit reporting act, under 15 U.S.C 1681s-602 it states I have the right to privacy and this creditor has violated my rights. 15 U.S.C s-604 ( a ) s-2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit ( 1 ) Reinvestigation required.

per 15.u.s.code 1681i ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I contacted XXXX XXXX XXXX the end of XXXX of XXXX and informed them that I was experiencing financial hardship due to me being and XXXX XXXX in the medical field and that I was impacted by COVID-19 and need to setup arrangements on my mortgage payment that fell under the federal Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ). 
At that time, XXXXXXXX XXXX placed my payments on a forebearance plan for XXXX, XXXX of XXXX and then it was extended for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments. 
When I noticed the late payments on my credit report, I sent a letter to XXXX XXXX  asking them to remove the inaccurate 30 day late payments from all XXXX credit bureaus since I was protected under the CARES Act, which President Trump signed into law on XX/XX/XXXX, Act amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis. The amendment defines " covered period '' as the period starting XX/XX/XXXX, until the later of 120 days after enactment of the CARES Act or 120 days ( extended by President Biden on XX/XX/XXXX ) or after the end of the national state of emergency declaration which is still active. 

As published in the XXXX XXXX for publication the notice stated that the national emergency declared in Proclamation 9994 of XX/XX/XXXX, beginning XX/XX/XXXX, concerning the coronavirus disease XXXX ( XXXX ) pandemic and to continue in effect beyond XX/XX/XXXX. 

It is stated that under the amended FCRA, if a " furnisher '', ( in this instance meaning the creditor who provided you this inaccurate information ), makes an accommodation because I was affected by COVID-19 during the covered period beginning XX/XX/XXXX, that furnisher must report my account as current to the credit reporting agencies, so long as I was not delinquent on payments at the time of the agreement. 

( PLEASE SEE A COPY OF MY CREDIT REPORT THAT WAS PULLED XX/XX/XXXX AND IT WAS CLEARLY NOT SHOWING A 30 DAY LATE FOR THE MONTH OF XX/XX/XXXX. IT JUST APPEARED ON MY CREDIT REPORT IN XXXX OF XXXX.
Consumer complaint received 2022-05-28
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. (GA)

I contacted XXXXXXXX XXXX XXXX the end of XXXX of XXXX and informed them that I was experiencing financial hardship due to me being and XXXX XXXX  in the medical field and that I was impacted by COVID-19 and need to setup arrangements on my mortgage payment that fell under the federal Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ). 
At that time, XXXX XXXX  placed my payments on a forebearance plan for XXXX, XXXX of XXXX and then it was extended for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments. 
When I noticed the late payments on my credit report, I sent a letter to XXXX XXXX  asking them to remove the inaccurate 30 day late payments from all XXXX credit bureaus since I was protected under the CARES Act, which President Trump signed into law on XX/XX/XXXX, Act amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis. The amendment defines " covered period '' as the period starting XX/XX/XXXX, until the later of 120 days after enactment of the CARES Act or 120 days ( extended by President Biden on XX/XX/XXXX ) or after the end of the national state of emergency declaration which is still active. 

As published in the XXXX XXXX for publication the notice stated that the national emergency declared in Proclamation 9994 of XX/XX/XXXX, beginning XX/XX/XXXX, concerning the coronavirus disease XXXX ( XXXX ) pandemic and to continue in effect beyond XX/XX/XXXX. 

It is stated that under the amended FCRA, if a " furnisher '', ( in this instance meaning the creditor who provided you this inaccurate information ), makes an accommodation because I was affected by COVID-19 during the covered period beginning XX/XX/XXXX, that furnisher must report my account as current to the credit reporting agencies, so long as I was not delinquent on payments at the time of the agreement. 

( PLEASE SEE A COPY OF MY CREDIT REPORT THAT WAS PULLED XX/XX/XXXX AND IT WAS CLEARLY NOT SHOWING A 30 DAY LATE FOR THE MONTH OF XX/XX/XXXX. IT JUST APPEARED ON MY CREDIT REPORT IN XXXX OF XXXX.
Consumer complaint received 2022-05-28
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)

I sent a letter off on XX/XX/2022 my tracking number is XXXX. To remove personal information that I dont want on my credit report. According to the fair credit reporting at 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information to third-party people. These are clear violations of my federally protected consumer rights.
Consumer complaint received 2020-11-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (MN)

This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount
Consumer complaint received 2017-07-15
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. (LA)

I submitted disputes by certified letters concerning information on my credit report and requested verification from the company. The verification they sent me was a print out and did not include my signature as requested showing I ever owed any money to this company. No other correspondence was received nor where any of my credit reports ever updated to show that I was disputing the information on my credit reports.
Consumer complaint received 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter off on XX/XX/2022 my tracking number is XXXX. To remove personal information that I dont want on my credit report. According to the fair credit reporting at 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information to third-party people. These are clear violations of my federally protected consumer rights.
Consumer complaint received 2017-07-15
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. (FL)

I am filing this complaint because Experian has ignored my request to provided me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified that I have disputed. '' Please resolve this manner as soon as possible. Thank you
Consumer complaint received 2017-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

I received a letter from ERC dated XXXX XXXX, 2017 with a third parties name on it ( XXXX XXXX ) claiming that I owed their company for an alleged debt. The letter also stated that I had 30 days to dispute the validity of this debt. I sent ERC a certified letter and they received it within the 30 day time frame. However the same day they received the letter they placed this item on my credit report.
<P/>
I disputed the validity of this debt, and I requested validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt.
<P/>
Per this requirement ERC must delete this trade line if they do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) It has been almost 60 days since they received my certified letter and they are refusing to comply with the Texas Finance Code. I was also unable to locate a surety bond for this company, which is required in my state for them to collect on this alleged debt.
<P/>
Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me pursuant to Texas Finance Code Sec. 392.403.
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

Despite providing the Chase fraud department with a police report, my claims for multiple unauthorized transactions totaling {$11000.00} in XXXX XXXX XXXX and XXXX XXXX were denied by the Chase Business Claims Department. The transactions in question include Claim IDs XXXX - {$2200.00}, XXXX - {$2200.00}, XXXX - {$4300.00}, XXXX - {$170.00}, XXXX - {$450.00}, and XXXX - {$1100.00}. I maintain that my card has been stolen, and I am a victim of fraud.
Consumer complaint received 2022-01-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Insikt, Inc. (MD)

I am recieving XXXX XXXX e-mails a day from Lendafy advertising " Confirm Your Request : {$9500.00} Loan ''. I never applied for this loan, do not want this loan. When I attempt to Unsubscribe from the e-mails I am directed to another XXXX offering the same loan. I want this harasment to stop immeadiately.
Consumer complaint received 2021-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I was injured at work and finally received my impairment benefits through Texas workers comp. Unfortunately the insurance carrier did not submit funds to my current account and sent them to a closed account.

USAA then decided it was appropriate to tell me that my account was closed and charged off, which I was never given the opportunity to remedy the situation. 

However they have deemed it appropriate to keep XXXX dollars of impairment benefits from a work injury which is federally protected from leins and levies. At this point I am so tired of fighting USAA for them thinking they are above the federal law and state of Texas laws about the funds they are choosing to recover. Exempt funds are exempt for a reason.
Consumer complaint received 2017-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Put several inquiries on my credit report that were fraudulent, I have spoken to them numerous times with no aviel. I put a fraud alert on my credit, but they still wo n't do anything.      XXXX  on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX