davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (TN)

I seen where I had a collection on my credit report with Calvary portfolio. I disputed through the credit reporting agencies and all I was sent from Calvary portfolio was a debt settlement offer. I requested validation of this debt numerous times and even filed a compliant with the XXXX  and Calvary portfolio comes back with the same reply that they validated and sent to my home address. The ONLY thing I have ever received from them was a debt settlement and that was in XX/XX/XXXX. I have not reviewed any type of debt validation from this company and this has been ongoing since XX/XX/XXXX. That is 4 months and still nothing showing what the debt is for, is it my debt, when and who the bought the debt from. Every compliant comes back that they previously validated. I am an honest person and I would not say I hadnt received anything if I had received something. This is a violation of my rights. A debt collector has 30 days to provide validation of an account that is being disputed. I want this removed from my credit reports and not to be sold to another company.
Consumer complaint received 2017-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have been on a debt mgt program since XX/XX/2016 yet some of the credit card companies have been reporting me late. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.
Consumer complaint received 2022-06-15
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 an account without my written instructions.
Consumer complaint received 2022-06-15
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. (GA)

In accordance with the Fair Credit Reporting act my right has been violated with the following accounts below. 

1. Account : XXXX  XXXX XXXX Account Number : XXXX 2. Account : XXXX XXXX  Account Number : 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 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 reason
Consumer complaint received 2022-06-15
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 my right has been violated with the following accounts below. 

1. Account : XXXX XXXXXXXX XXXX Account Number : XXXX 2. Account : XXXX XXXX  Account Number : 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 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 reason
Consumer complaint received 2022-06-15
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. (AR)

in accordance with the Fair Credit Reporting act XXXX  account 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 15 U.S.C. 1681 section 602A states that I have the right to privacy 15 U.S.C. 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (OR)

Getting notification in the mail that i applied for a credit card at there store. And it wasnt me. My wallet was stolen. I called each company to let them know that it wasnt me. And they put alert on it.
Consumer complaint received 2019-03-19
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. (FL)

In XX/XX/XXXX, I applied for a home loan. When the lender pulled my credit, XXXX had placed statements on my account stating that it was in deferment due to a natural disaster. This stopped my loan from processing. When I called them, they stated that FEMA had given them this information and they took it upon themselves to place that on my report. I did not ask for that at the time. XXXX told me it would be taken off XX/XX/XXXX and would show on my Credit reports XX/XX/XXXX. When the lender pulled my credit report again, nothing had changed. I called XXXX again and they continued to argue with me and said that I was still in the deferment and they would not remove it. I had to argue with them for several weeks and into XX/XX/XXXX. They would not remove it until I threatened to get an attorney. Then all of a sudden they agreed that it should have been taken off. I finally got it taken off but had to be subjected to the stress of arguing with them. Some of these comments are still on my credit reports. It also states that my last payment was XXXX XXXX. I have made payments since that time. This is not the first time that I have had to deal with this issue with XXXX reporting bogus information to my credit report. Then it takes forever to get it removed. Equifax is the worst about removing comments, etc. even when you prove it is wrong. They do not appear to investigate anything unless you threaten to sue them. It is just the first time I knew that I could file a complaint. They consistently put me on different payment plans than what I apply for. When I asked them about a forgiveness, they actually laughed at me. Then laughed while telling me that I could not even file bankruptcy and get out of it because it was a Federal Loan and I was stuck paying for this and they didn't care how old I was. ( I am XXXX years old now ) Prior to this my billing and fees were consistently wrong and XXXX XXXX and XXXX refused to justify any of the charges as well as the schools charges when I saw that I was being charged bogus fees or being charged double fees by the school and the Student Loan Servicer.
Consumer complaint received 2022-07-21
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account Numbers : XXXX with XXXX & Account Number : XXXX has violated my rights with collections/Charge offs In accordance with the Fair Credit Reporting act XXXX, I have XXXX negative inquiries that have violated my rights the name follows as XX/XX/XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX, XX/XX/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 an account without my written instructions
Consumer complaint received 2022-10-21
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: Synovus Bank (IN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-02-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: AMERICAN HONDA FINANCE CORP (TX)

I elected to extend a lease for a Honda vehicle. Honda Financial would not accept payment and cancelled the autopay feature on the website without notice. Then, Honda declared the next payment delinquent and filed a report with the credit bureaus. I had been a Honda customer for five years on two vehicles and never missed a payment. Honda failed to return any messages or respond to the complaint.
Consumer complaint received 2022-10-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 15 U.S.C. 1681 Section 602 A states I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. LVNV Funding  Acct # XXXX LVNV Funding  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX  XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX The following debt collection agencies are trying to collect on debt amounts on accounts sold to them by XXXX XXXX XXXX XXXX illegally and knowingly over inflated interest rates on its credit card holders. This resulted in a class action lawsuit filed by XXXX XXXX XXXX. All of the accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LVNV Funding and XXXX XXXX XXXX. XXXX contain accounts purchased from XXXX XXXX that are subject to the litigation brought against XXXX XXXX. I am requesting these accounts be removed from my credit account due incorrect amounts that were over inflated illegally by XXXX XXXX. I feel no debt collector should be able to slander my credit report over these illegally created debt amounts. Please remove or face legal action.
Consumer complaint received 2022-06-12
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. (TX)

In accordance with the Fair Credit Reporting acXXXX XXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX and # 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 2022-06-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Early Warning Services, LLC (TN)

On XX/XX/2022 I noticed a fraudulent account opened without my knowledge at XXXX XXXX and XXXXXXXX XXXX The account was opened XXXX XXXX, the account number is XXXX and the routing number is XXXX, for an amount of {$76.00}, possibly more. 

This account was opened without my consent and my personal information was falsely used! I have included my FTC affidavit for my support and reasons.
Consumer complaint received 2020-11-06
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble getting information about the card
Company: Neon Newco Corporation (WI)

I when to login into my skylight account and It was locked, i thought i was my fault because i had a VPN on so i turned it off and called the company. I call the company, ( skylight ) they told me they would redirect me to the fruad department because my account detected fraud and they wouldn't let me talk to the person they said they would redirect me to. They wanted my information before I could do anything, I didn't because why would I share my information if there has been a fruad report detected. Like is this company being legit or are they doing something because this isn't how fruad is handled when it's detected.
Consumer complaint received 2024-02-29
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. (WI)

Dear Consumer Financial Protection Bureau, I am writing to address a matter of significant concern regarding the debt collection activities undertaken by XXXX XXXX XXXX XXXX XXXX in connection with the alleged debt associated with my credit report. It has come to my attention that there may be a serious lapse in compliance with the laws of the state of Wisconsin regarding debt collection licensing. 
Upon recent examination of the relevant state regulations, I have reason to believe that XXXX XXXX XXXX XXXX XXXX XXXX not possess the required licensing to conduct debt collection activities within the jurisdiction of Wisconsin. This letter serves as a formal request for the Consumer Financial Protection Bureau to enforce a cease and desist of all collection activities immediately from XXXX XXXX XXXX XXXX XXXX. 
It is imperative to bring to your attention that XXXX XXXX XXXX XXXX XXXX engaging in debt collection activities without the proper licensing is a direct violation of the Wisconsin state law. 
Your immediate attention to this matter is crucial, and I appreciate your cooperation in ensuring that all actions undertaken by XXXX XXXX XXXX XXXX XXXX align with the legal requirements of the state of Wisconsin. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2022-10-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prince Parker & Associates (NC)

Upon my visit to XXXX XXXX XXXX XXXX and XXXX, I paid with my insurance and copay. I did not owe any outstanding. When PRINCE PARKER AND ASSOCIATES ( Debt collector ) first contacted me claiming {$260.00} as owed, I made it clear with receipts of payment to the clinic showing I did not owe any outstanding. This was on XX/XX/XXXX. PRINCE PARKER AND ASSOCIATES then claimed it was {$170.00} and reported it to XXXX, I disputed that, and it was removed. They turned around and reported to XXXX ; again, I disputed that, and it was removed, so now they reported the same amount of {$170.00} as new debt every month. Why they do that, I do not know. The latest report was done on XX/XX/XXXX. I do not owe where this amount came from, and neither am I owing
Consumer complaint received 2022-06-14
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: North State Acceptance, LLC (MD)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2018-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

On XX/XX/XXXX Equifax responded to my CFPB complaint stating that XXXX # XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX # XXXX have all been verified.

Ive informed Equifax numerous times that I do not know these accounts, and requested that they send me the applications and agreements with me signature, for when these accounts were opened. Ive received nothing from Equifax.

If the above-mentioned accounts were verified as outlined in the FCRA, then the original creditor must have sent Equifax copies of the application, agreements with my signature. I respectfully request that Equifax open my file, and send me copies of the applications, agreements with my signature, as proof and verification. If they can not provide me with the proof that I need, then the accounts must be promptly deleted.

In addition, XXXX XXXX XXXX # XXXX, was also included in my previous disputes, but as noted in Equifaxs response to my CFPB complaint, it was removed because they were unable to verify the account, and they were unable to provide me with the proof that I requested.

OnXX/XX/XXXX I purchased a copy of my Equifax report and discovered that the previously deleted account ( XXXX XXXX XXXX  # XXXX ) was reinserted into my credit report.

As outlined in the FCRA, Equifax is required to notify me within five ( 5 ) days of reinserting a previously deleted item. At no time did I receive said notification.

This is a violation of FCRA 611.

Please delete the above-mentioned account immediately.
Consumer complaint received 2023-04-10
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. (FL)

I originally filed a dispute with Experian in XX/XX/XXXX stating that the account name- '' XXXX '' with account XXXX was reporting incorrectly that I paid late in XXXX of XXXX. This is false and I was never late. Experian stated that the account came back verified without providing me with any evidence or their method of verification that indicates that I was late. According to The Fair Credit Reporting Act 611 ( a ) ( 7 ) a consumer reporting agency must provide evidence to support that they performed a thorough investigation to confirm the accuracy of the account which they failed to provide me with such verification/proof. 

RE : Method of Verification Dear Experian, Pursuant to 1692g, Im requesting the Method of Verification for the following disputed account ( s ) : XXXX XXXX # XXXX This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. 
This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).

Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.

1. The name of the original creditor 2. The creditors addre
ss and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute If you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage. 
Best Regards, XXXX, XXXX XXXX
Consumer complaint received 2022-10-21
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. (GA)

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX and XXXX XXXX Account # XXXX has violated my rights. 15 USC 1681 section 602 a states I have a right to privacy.

15 USC 1681 Section 604 a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-01-30
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: HW Holding, Inc (NY)

As a follow up to a previous complaint i was again threatened by HUNTER WARFIELD legal team member on XX/XX/2020 during a phone call where the male legal team member stated 'you just wasted a perfectly good cfpb complaint ' and further accused me of baseless claims.
Consumer complaint received 2022-10-21
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (TX)

NCB has purchased a debt from XXXX XXXX that has reached the statute of limitations. The balance of this debt is incorrect. Last payment day is incorrect and this debt is also owned by another company. Ive contacted and attorney to start a legal process against NCB and the other company. This inaccurate debt needs to be removed from my credit report. Debt needs to be verified for accuracy and proven. Nobody has done that due to the inaccurate information. Its against the law to reage this debt and attempt to collect it with XXXX debt collectors.
Consumer complaint received 2020-01-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I sent a letter to the credit bureau on XX/XX/2019 to investigate my credit report where there is an account ( XXXX XXXX XXXX ) which is not mine. It has been over 30 days since I sent the letter but I still have not been notified of the investigation status or results. The agency has not complied with their 30 days notice of completing a investigation.
Consumer complaint received 2022-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

On XX/XX/XXXX I mailed the debt collector ( Enhanced Recovery LLC ) a debt validation letter. I have not yet received any communication from them. They are still reporting the debt to the credit Bureaus. On XX/XX/XXXX which is the deadline for Their 30-day validation window. If I do not receive a proper debt validation that proves they are legitimate owners of the debt along with a signed contract or official document where I stated I am taking on the debt. Then I would like the collection taken off all credit reports and stopped being pursued in my name as is my right under the Fair Debt Collections Practices Act ( FDCPA ).