davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-14
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have disputed the account with Capital One via the consumer reporting agencies on XX/XX/XXXX. The infromation came back verified and updated. 

Recently I have pulled my consumer report and noticed that Capital One has been reporting a charge off to all credit reporting agencies as of XX/XX/XXXX. 

Capital One has never classified the billing error or provided the original instrument of indebtedness in order to lay claim to this alleged debt, instead Capital One charged off the alleged debt and furnished fraudulent information to the consumer reporting agencies as a mean to bring harm to mean and my financial reputation. This alleged debt was disputed well before it was charged off. Any and all money paid to this account shall be returned immediately by money order or cashiers check to my place of abode. 

I have reasonable cause to believe that the information furnished by Capital One is inaccurate. I also have reason to believe Capital One is knowingly furnishing false and misleading information to the consumer reporting agencies as a means of committing unlawful extortionate means. This account is shown in charge off status on my consumer report with a balance. ( see attached ) I am aware that a charge off in accordance with 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability. I never received a 1099-C for this account, so I have reason to believe that Capital one is furnishing their gross income to the consumer reporting agencies. The continued reporting of this knowingly inaccurate information is a clear violation of 15 U.S. Code 1681s-2 of & 15 U. S. Code 1681e ( b ). 

I am also aware that if Capital One has filled out a 1099 c form and its continuing any kind of collection activity as defined under 31 U.S code 3711 ( e ) by performing any of the following conduct, administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, pursuing litigation, you are committing tax fraud and should be reported to the IRS for fraudulent financial gain.

Also I am invoking my right to refuse to pay this alleged debt and wish to cease further communication In accordance with 15 U.S. Code 1692 c ( c ).

The following account ending in 6099 with the balance of 763.00 is to be deleted from all credit reporting agencies.
Consumer complaint received 2018-05-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (CA)

I received letter from XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) that they attempt to collect a debt on behalf of XXXX. 
I do not do business with XXXX, and I don't think XXXX is in the business of lending money anyway.
Consumer complaint received 2022-05-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

At some time in XX/XX/2022, I initiated a dispute with the major credit reporting agencies ( " CRAs '' ) ; however, it has been more than 30 days and I have not received any communication from the CRAs. There is inaccurate information on my consumer credit profile that needs to be removed. I never consented to initiating a consumer credit profile. 15 USC 1681b ( a ) ( 2 ).
Consumer complaint received 2022-05-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

At some time in XX/XX/2022, I initiated a dispute with the major credit reporting agencies ( " CRAs '' ) ; however, it has been more than 30 days and I have not received any communication from the CRAs. There is inaccurate information on my consumer credit profile that needs to be removed. I never consented to initiating a consumer credit profile. 15 USC 1681b ( a ) ( 2 ).
Consumer complaint received 2022-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (MI)

I have opted out of prescreened offers. I still get them 2-3 times a week, there is no way on Citibanks site to stop them.
Consumer complaint received 2022-05-14
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: Experian Information Solutions Inc. (NJ)

I accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-05-14
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: EQUIFAX, INC. (NJ)

I accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2019-01-23
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. (SD)

I submitted a dispute about 3 names that I never used. Experian deleted two of them but left one of them in tact on my credit report. Probably so some illegal immigrant can use a copy of my credit report that is up to a year old and a fake id and social security card from XXXX XXXX. in the City of XXXX XXXX to secure credit on a secondary market.

I had to contact the Consumer Financial Protection Bureau to get Experian to delete the first two names and also consolidate several different formatting of the same address into one address.

I had previously noticed that one of my employers was listed twice and upon looking closer, I noticed it is a fraudulent misspelling. My employer is based out of XXXX, WY and I noticed a similar name had been registered in Texas which I was disputing with Federal Regulators since I am an XXXX  of that company.

Experian also has 3 phone numbers which do not belong to me on my credit report which it did not remove.

In addition to the fraudulent " aliases '' and the fraudulent name of my employer and the 3 phone numbers which do not belong to me, Experian refuses to remove old addresses. Some of them are my old addresses and it is my understanding credit reporting companies have to honor deletion of old addresses as long as you have had the same address for at least 2 years. They are refusing to do this.

The most frustrating part is that one of the addresses which I never lived at was provided by XXXX. I had a XXXX  account from XX/XX/XXXX to XX/XX/XXXX and closed it in XX/XX/XXXXbecause it never showed up on my credit report and it was marketed as a way for me to build credit. It was always paid in full.

XXXX  first reported to Experian in XX/XX/XXXX. 5 years after the account was closed and apparently with a wrong address.
Consumer complaint received 2022-05-14
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. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my right. 

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

15 U.S.C 1681 section 602 A.2 : it also states a consumer reporting agency can not fumish a account without my written instructions
Consumer complaint received 2022-05-14
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)

n 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 2019-11-20
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: Ridge & Valley Realty, Inc. (CO)

I had 4 collections on my credit report with Credit Systems Inc. I was told by the company that if i paid them that they would remove the collections from my credit report with the 3 credit bureaus. I have paid the collections and have repeatedly tried to get the company to remove the collections from my credit reports but have not been successful. I have also tried to get them removed by going directly to the credit bureaus with no success.
Consumer complaint received 2023-09-25
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXXXXXX 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 2022-05-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

At some time in XX/XX/2022, I initiated a dispute with the major credit reporting agencies ( " CRAs '' ) ; however, it has been more than 30 days and I have not received any communication from the CRAs. There is inaccurate information on my consumer credit profile that needs to be removed. I never consented to initiating a consumer credit profile. 15 USC 1681b ( a ) ( 2 ).
Consumer complaint received 2022-05-14
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)

Their information stated it was received from an outside source as the XXXX XXXX XXXX XXXX XXXXXXXX states it did not supply any information to Experian Experian in accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX XXXXXXXX Identification Number 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 also states a consumer reporting agency can not furnish an account without my written instructions. 

Experian in accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX SC XXXX Identification Number 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 also states a consumer reporting agency can not furnish an account without my written instructions. 

Experian in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX Identification Number 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 also states a consumer reporting agency can not furnish an account without my written instructions. 

Experian in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX Identification Number 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 also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX Partial Acct # XXXX as 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (IL)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-07-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (NV)

Account Name : WELLS FARGO Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$1100.00} Reason : Identity theft Please remove it from my credit report.
Consumer complaint received 2022-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (IL)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (IL)

In accordance with the fair credit reporting act XXXX XXXX  and XXXX account # XXXX and XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. I submitted evidence showing that they are not reporting my account 100 % accurately. After that they updated my account with more inaccuracies. U.S.C 1681 section 602A states I have the right to privacy. U.S.C 1681 604A states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-14
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 ( FCRA ) XXXX, Acc # XXXX has violated my rights. 
XXXX, Acc # XXXX has violated my rights. 
XXXX XXXX XXXX, XXXX # XXXX has violated my rights. 
N/A, Acc # XXXX has violated my rights. 
N/A, Acc # XXXX has violated my rights. 
XXXX, Acc # 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. states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ATG Credit, LLC (IL)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2022-05-14
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. (SC)

I XXXX XXXX wrote Equifax on XX/XX/2022 informing them that they were in direct violation of 15 USC 1681b ( a ) ( 2 ). Which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave Equifax any written consent to report anything on my consumer report. No consent is identity theft. Below I will list 19 accounts that are listed on my Equifax consumer report that I did not provide written consent for them to furnish on my consumer report. I demand for Equifax to remove these accounts from my consumer report but yet they are still listed. I demand that Equifax remove these inaccuracies from my consumer report. If they are not removed I will not extend my credit to anyone or allow Equifax to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports. By Equifax allowing these inaccuracies to be furnished on my consumer report it has caused me to lose confidence in the banking system. If Equifax wants to continue doing business with me. They should delete these inaccurate accounts from my consumer report. DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF ED/XXXX-XXXX, DEPT OF EDXXXX, DEPT OF ED/XXXX-XXXX, DEPT OF EDXXXX, DEPT OF ED/XXXX-XXXX, DEPT OF EDXXXX, DEPT OF ED/XXXX-XXXX, DEPT OF EDXXXX, DEPT OF ED/XXXX-XXXX, DEPT OF EDXXXX, DEPT OF ED/XXXX-5XXXX67, DEPT OF EDXXXX, DEPT OF EDXXXX.
Consumer complaint received 2019-11-20
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. (CA)

i've sent the credit bureau experian and XXXX   documentation and letters to update their inaccurate information. ive snet ftc reports dating back in XX/XX/2019 again in XXXX and XXXX they have fraudulent information reporting and all they do is say that the company has updated information without providing any documentation
Consumer complaint received 2018-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX, I submitted an investigation request to XXXX and Trans Union.  They are supposed to respond with the results within 30 days, but they have not.
Consumer complaint received 2022-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Credit & Collection, Inc. (IL)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-05-14
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: Experian Information Solutions Inc. (CA)

I have contacted Experian in XXXX and in XXXX with regards to XXXX stating they are unable to locate an account with my name and address. I sent Experian a copy of the letter received via CFPB portal stating this. However, Experian still is reporting this account on my credit file. They could not have verified this information or they would have received the same response that I received.
Consumer complaint received 2022-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Duvera Billing Services, LLC (IL)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2022-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, XXXX XXXX  and FTC
Consumer complaint received 2022-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (IL)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting