davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-19
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: EQUIFAX, INC. (NC)

This is XXXX XXXX and I am submitting this CFPB complaint as a follow up to the CFPB Complaint I recently submitted. I sent a letter on XX/XX/XXXX to remove the fraudulent accounts and information, specifically : XXXX XXXX XXXX XXXX XXXX, FL 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, VA XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. These accounts and information are unknown to me. I came across this law and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ), as the XXXXredit Reporting Agencies , you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. I have provided evidence to support my claim that these items are fraudulent and do not accurately reflect my credit history.
Consumer complaint received 2017-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I still have tax Leins on my credit reports, that should have been remove by XXXX XXXX, 2017. They have aready been released from trans Union an XXXX, but no matter how hard I try to get them remove them they wo n't. I guess the credit bureaus are above the law. I have but up a hard fight to correct my credit, but feel I 'm fighting a losing battle. I 'm just the little guy trying to get things corrected, it 's not like I 'm asking for any favors. I just want them to follow the law, which I 've done extensive research on. I am XXXX and should n't be made to undergo this much stress.
Consumer complaint received 2023-02-06
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. (NC)

My name is 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 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 2022-05-30
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. (TX)

believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX Credit Bureaus was XX/XX/XXXX  but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : EXPERIAN : US DEPT ED XXXX Balance {$310.00} XXXX : DEPTEDXXXX XXXX Balance {$0.00} US DEPT ED XXXX Balance {$310.00}
Consumer complaint received 2022-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To whom it may concern, Im writing this letter to dispute the following accounts : 1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 2. invalid inquiry XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 3. invalid inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 4. invalid inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 5. invalid inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 6. invalid inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 7. invalid inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 8. invalid inquiry XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 9. invalid inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 10. 15 U.S. Code 1681n Civil Liability for willful noncompliance XXXX  Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 11. FDCPA section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 12. 15 U.S. Code 1692g Validation of debt XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 13. FDCPA section 807 Violation Misleading False Reporting XXXX XXXX XXXX  Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Thank You Sincerely yours, XXXX XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: National Credit Systems,Inc. (CA)

NATIONAL CREDIT SYSTEMS INC also known as The Guarantors reported to XXXX and XXXX inaccurate information about an account that does not belong to me which has been causing me a hardship and stopping me from passing rental screenings. They began reporting in XXXX of XXXX  months before the XXXX XXXX XXXX  allowed them to report to any credit agencies. They claimed that I owed rent for an apartment I never dwelled in and also listed it as a joint account. They claim I owe {$17000.00} which is false. I have submitted an identity theft report with the said companies listed. This account was placed on my XXXX and XXXX reports. XXXX has removed the falsely reported account but XXXX will not remove it from some reason.
Consumer complaint received 2022-05-30
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To whom it may concern, Im writing this letter to dispute the following accounts : 1. invalid inquiry XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 2. invalid inquiry XXXX  Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 3. invalid inquiry XXXX  Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 4. invalid inquiry XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 5. invalid inquiry XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 6. invalid inquiry XXXX  Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 7. invalid inquiry XXXX  Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 8. invalid inquiry XXXX  Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 9. invalid inquiry XXXX Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 10. 15 U.S. Code 1681n Civil Liability for willful noncompliance XXXX  Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 11. FDCPA section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 12. 15 U.S. Code 1692g Validation of debt XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Thank You Sincerely yours, XXXX XXXX
Consumer complaint received 2018-07-20
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Portfolio Recovery Associates refuses to admit that the harm that they did when trying to collect a debt that was between 10-18 years old. As a debt collection agency they knowingly went to court, filed paperwork, got a default judgement, issued and was granted a wage garnishment order. Contacted my employer and was garnishing my wages.no matter what the total was This was on my employment file with the company. This garnishment was the reason I was denied promotions and salary increases because I was deemed a high-credit risk. Now according to Illinois appeals court ruling on XXXX XXXX that the statue of limitations on a credit card debt without a written contract is 5 years. And with a contract its 7 - 10 years they purchased the account in XXXX and started collecting the garnishment in XXXX. That's 17 years later. Re-aging a debt is also against the Fair Debt Collection Practice and Portfolio is well aware of the time line from start to finish even when they hired the law firm of XXXX, XXXX, XXXX XXXX XXXXXXXX.
Consumer complaint received 2022-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (CA)

I have reached out to credit bureaus to find out who is furnishing bankruptcy information to all three credit bureaus and o was told it was ( XXXX XXXX ). I reached out to XXXX XXXX and I was told they have no record of a bankruptcy on my profile. I reached back to the credit bureaus to do another investigation and because their information is incorrect and the keep saying information is valid from XXXX XXXX. The credit bureaus are failing to do their job and investigate my complaint.
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: EQUIFAX, INC. (FL)

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 a account without my written instructions 15 U.S.C 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 2017-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hello My Name is XXXX XXXX. I have read under the new law effective XXXX XXXX, 2017 any public records data must include name, address social security number and date of birth in order for it to appear in your credit file. The credit bureaus had not updated the information and per new law true bankruptcies listed does not include this information and should be deleted from my credit report. I 'm not sure whats going on but please help.
Thank you, XXXX XXXX
Consumer complaint received 2023-03-11
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)

I am writing to you because I am concerned about the accuracy and honesty of bureau 's data. According to FCRA section 611, It Is important that we have accurate records on file with those who rely on them most- including not Just customers, but also potential lenders or employers. After doing some research into Metro 2 compliance standards I have found that there may be some inaccuracies in reporting going forward. If these issues are not promptly resolved I would love any feedback possible before taking action against you later down this rood together. The inaccuracies that are currently my report are having a serous negative impact on my quality of life The data on my credit report is of high importance and is currently not a representation of who I am financially because it is inaccurate I am demanding accurate documentation so you can document me- the person who deserves status, Society - correctly Please make sure that all inaccurate are removed Immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records of my rights as a consumer. I will then contact my lawyer to take legal action.

I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using Consumer Law that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Consumer complaint received 2024-04-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I am writing to file a complaint against JPMorgan Chase Bank , N.A . ( Chase ) concerning the unexpected closure of my Chase checking account and XXXX XXXX XXXX credit card, which are critical to my online reselling business. I believe that this action taken by Chase is unwarranted and has significantly impacted my ability to conduct business. 

I operate a legitimate reselling business where I purchase products on XXXX to take advantage of the 5 % cashback offer associated with my XXXX XXXX XXXX card. I then sell these products to wholesalers and distributors, including companies like XXXX. All my business transactions are conducted through my Chase checking account and XXXX Chase credit card. I do not engage in cash deposits ; instead, all transactions are transparent and recorded via direct deposit from legitimate business sources. 

On XX/XX/year>, I was notified that my Chase accounts were being closed due to " unexpected activity. '' I am perplexed by this decision, as my business model is straightforward and compliant with all applicable laws and regulations. My account activity solely reflects my business operations and is in no way fraudulent or illegal. 

I kindly request the CFPB 's assistance in investigating this matter. I seek a fair review of my account activity and the opportunity to appeal Chase 's decision to close my accounts. My preference is to continue my banking relationship with Chase, as it is essential for the smooth operation of my business. 

I appreciate your attention to this issue and look forward to your support in resolving this matter.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 a account without my written instructions 15 U.S.C 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 2019-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I sent a letter to XXXX XXXX back in XX/XX/XXXX, requesting a validation of the debt owed, with no response. This company also pulled my credit report on more than one occasion in XX/XX/XXXX, without permission as this account had been closed back in XX/XX/XXXX. This company has not provided any requested documentation. Yet has reported things on my credit report, that are inaccurate that has damaged my credit report. 

The same request for validation of debt has also been sent to XXXX  and TransUnion, more than once in XX/XX/XXXX & XX/XX/XXXX with no success of getting the requested validation of the debt as being accurate.
Consumer complaint received 2023-02-18
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)

On XXXX I disputed the inaccuracy of a collections account XXXX & XXXX. This account is reporting as open, with XXXX XXXX, and XXXX. This is a violation to report a charged off account as open. This needs to be removed immediately.
Consumer complaint received 2019-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX ; XXXX and Transunion are reporting the incorrect credit limit amounts on the XXXX XXXX partial account number XXXX ; XXXX XXXX partial account number XXXX ; and XXXX/XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) This incorrect reporting of the credit limits is hurting my credit score. Please remove these line items from my credit report.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Atlanticus Services Corporation (TX)

The creditor Fortiva stated that I had a XXXX late payment with them. According to my agreement my payments don't begin until XX/XX/2024. The made this claim on XX/XX/2024. 
I know this to be a false statemen that has had a great impact on my credit. I have a great credit history with making payments and paying on time. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under the 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 states Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2019-06-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC (TX)

Northstar Location Services is trying to collect on a debt that I do not owe to them. I've never heard of this company, I've never done business with them, and they have no provided any validation of this alleged debt. Please let this notice serve as my formally disputing the debt, I've also attached a copy of a letter that was sent to them. 

Thanks,
Consumer complaint received 2019-03-26
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. (TN)

I HAVE DISPUTED VARIOUS ACCOUNTS AND THE MAJOR CRA 'S HAVE FAILED TO PROVIDE VALIDATION AS REQUIRE BY ( FDCPA ) SUB SECTION 809, WHICH REQUIRES THEM TO SEND A VALIDATION LETTER AND DOCUMENTATION TO SUPPORT THEIR CLAIM, ORIGINAL CREDITORS NAME, ADDRESS, AMOUNT CLAIM TO BE OWED AND SIGNED DOCUMENT, OR AGREEMENT, OR CONTRACT, I SEND THIS COMPLAINT WITH ATTACHED LETTER AS AGAIN ANOTHER DIRECT DISPUTE AND FINAL DISPUTE BEFORE FILLING SUIT.