davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-03
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. (IN)

In accordane with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX ( original creditor : XXXX XXXX XXXX ACCOUNT # XXXX XX/XX/XXXX BALANCE : {$2600.00} XXXX XXXX XXXX Account # XXXX XX/XX/XXXX Balance : {$1900.00} 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-02-10
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: EQUIFAX, INC. (TN)

I paid off an old account around XX/XX/XXXX or XX/XX/XXXX and I was told by two different XXXX reps that this account would be deleted from my credit reports. Well actually three because I asked the rep that took my payment just to make sure before paying. I contacted XXXX  over a month ago to inquire about the account still being present on my credit reports and was transferred to someone, I believe in collections, and was told that XXXX doesn't delete but rather reports as paid in full. I did my part but they did not. I disputed this account and was told that it was accurate and would not be deleted but I provided the documentation of the conversation with one of the reps and still have not resolved this situation. My credit report list the XXXX XXXX XXXX as the collector but XXXX collected the payment from me and made the deal with me. I do not owe XXXX XXXX XXXX at all. I just want this to be resolved.
Consumer complaint received 2019-02-10
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: CL Holdings LLC (TX)

I received a collection notice from your office on XX/XX/2019 that was dated for XX/XX/2019. In this notice you mentioned that you were representing XXXX XXXX XXXX XXXX XXXX and that they were the owner of an account that is allegedly owed by me. 

I would like to dispute the validity of this accused debt as I have NEVER owned an account with XXXX XXXX XXXX XXXX XXXX so how can they own an account that you are stating is owed by me. Are they a debt buyer? Was there a bill of sale or receipt of the sales transaction? I want to know the exact amount that the debt was purchased for if thats the case. 

If you are representing them are you advising that you are an attorney? If not, how can you be representing them. Was there a power of attorney given to you by the alleged creditor that warrants permission for you to collect money from me? If you are a debt collector this is very misleading and a violation of the FDCPA Section 1962E for misleading representation. If you were assigned this debt you will need to produce a letter of assignment from the owner of this account or a bill of sale showing the purchasing transaction confirming that YOU are entitled to the compensation of this alleged amount owed. 

Furthermore, XXXX XXXX XXXX XXXX has also violated FDCPA Section 1692C ( B ) for disclosure to a third party in connection with the collection of an alleged debt. Outside of myself, the original creditor and the credit reporting agency they were not authorized to disclose any information to a third party, including YOURSELF unless you are the debt collectors attorney. 

Please notify your client of their negligence and deceptive acts. I would like this debt to seize effectively immediately and further collection activity to be blocked. Please send me a letter confirming your compliance to avoid further escalation of this matter to State and Federal governing entities for investigation of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I will await your response within 30 days.
Consumer complaint received 2022-05-03
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. (FL)

Fraudulent inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-02-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (TX)

I sent Cavalry a Validation / verifying letter to Validate a debt they say I owe. I ask Cavalry questions about this debt. Cavalry received this letter on XX/XX/19 via USPS Priority Mail. I sent this letter under section 809 of the Fair Debt Collection Practice Act on validating / verifying debt. Cavalry under section 809 of the FDCPA should cease collection activity for 30 days or until they have sent me information validating this debt. Cavalry fail to do so by sending me a letter dated XX/XX/19 without any information verifying this debt is mine. In addition, continued to attempt to collect on this debt. That is clearly violation of my consumer rights under the FDCPA. They have place this debt on my credit report without Permissible purpose under 604 under the FCRA. I have not given Cavalry permission to invade my credit report and use my credit report as a tool to collect on a debt they can not prove that I owe. Cavalry XXXX XXXX XXXX XXXX, NY XXXX. Thank you in Advance.
Consumer complaint received 2019-02-10
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: Total Card, Inc. (TX)

I received a collection notice from your office on XX/XX/2019 that was dated for XX/XX/2019. In this notice you mentioned that you were representing XXXX XXXX XXXX , XXXX and that they were the owner of an account that is allegedly owed by me. 

I would like to dispute the validity of this accused debt as I have NEVER owned an account with XXXX XXXX XXXX , XXXX so how can they own an account that you are stating is owed by me. Are they a debt buyer? Was there a bill of sale or receipt of the sales transaction? I want to know the exact amount that the debt was purchased for if thats the case. 

If you are representing them are you advising that you are an attorney? If not, how can you be representing them. Was there a power of attorney given to you by the alleged creditor that warrants permission for you to collect money from me? If you are a debt collector this is very misleading and a violation of the FDCPA Section 1962E for misleading representation. If you were assigned this debt you will need to produce a letter of assignment from the owner of this account or a bill of sale showing the purchasing transaction confirming that YOU are entitled to the compensation of this alleged amount owed. 

Furthermore, XXXX XXXX XXXX, XXXX has also violated FDCPA Section 1692C ( B ) for disclosure to a third party in connection with the collection of an alleged debt. Outside of myself, the original creditor and the credit reporting agency they were not authorized to disclose any information to a third party, including YOURSELF unless you are the debt collectors attorney. 

Please notify your client of their negligence and deceptive acts. I would like this debt to seize effectively immediately and further collection activity to be blocked. Please send me a letter confirming your compliance to avoid further escalation of this matter to State and Federal governing entities for investigation of Total Card Inc and XXXX XXXX XXXX , XXXX. I will await your response within 30 days.
Consumer complaint received 2019-02-10
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: EQUIFAX, INC. (DE)

CFPB I am filing this complaint on Equifax Credit Bureau because they are violating The Fair Credit Reporting Act Section 1681b ( c ). I sent Equifax two certified dispute letters because there are some unauthorized inquiries on my credit file that I did not authorized. My first dispute was on XX/XX/XXXX and my most recent dispute was on XX/XX/XXXX. I contacted these creditors and they couldn't provide me a permissible purpose so I disputed this back with the credit bureau on XX/XX/XXXX and received the same dispute results that these inquiries are a factual record of file access. CFPB i contacted Equifax and ask them to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry and that rep. stated they can not dispute a inquiry because they are factual of statements. I also told that rep over the phone that they have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 that rep stated the same thing and said I'm sorry I can not dispute credit inquiries because they are factual of statements and also have that conversation recorded. I will upload the second dispute letter of the unauthorized inquiries and the results from Equifax.
Consumer complaint received 2019-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: One Source Technology (NC)

ADDITIONAL NOTES ( 4 ) Date Note n/a XXXX XXXX XXXX  n/a XXXX XXXX XXXX n/a XXXX XXXX XXXX n/a XXXX XXXX XXXX|PREVIOUS XXXX # : XXXXPREVIOUS XXXX  # : XXXX These issues are on my background check. I have never been XXXX XXXX XXXX XXXX. But this is on MY record. Other companies have been pulling my record too. I have not been hired by the other companies. And may not be hired by this company. This reporting on my record may have cost me other jobs too. I really need to know where these charges are from. There is not enough information here. I have copied and posted what is on my report. Please fix this.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # 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 w : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b 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 2019-02-10
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. (OH)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX OH XXXX Re :  Notice for Proof of Claim To Whom it may Concern : This is a legal and notarized document. XXXX v. XXXX, XXXX. XXXX, XXXX XXXX XXXX. XXXX ( XXXX ) .States Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, XXXX College v. XXXX XXXX XXXX XXXX : XXXX v. XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. 

Also, I have received a statement claiming that I owe a debt to 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  are the XXXX and third collection company that have contacted me, since this is an error, I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin.

6. ) Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days.

I also request to see a certified copy of any contract or agreement between you Respectfully Submitted
Consumer complaint received 2018-11-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (AZ)

AMEX is fraudulently reporting on my credit report in the amount of {$3800.00} account # XXXX * There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? 
* Did they even fund the account or did you? 
* Did you take tax credits? 
* Are you the creditor or really just the servicer? 
* Did you disclose that you were charging me for the insurance premium to protect against asset loss? 
* Did you get your approval in writing agreeing to the amount of the premium as require by law? 
* Did you get the insurance payoff prior to charging off the account? 
* Is the contract creating the account even valid since they lacked full disclosure and equal risk? 
* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ). 

You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022, I sent off letters to XXXX, XXXX, and TransUnion to remove inaccurate personal information that doesn't belong on my credit report. FCRA 15 U.S.C. 1681 states I have the right to privacy, accuracy, and fairness. Also, 15 U.S.C. 6802 states that a financial institution may not share my information to third party people. These are clear violations of my federally protected consumer rights. 

Below are my tracking numbers as well as the inaccurate names, addresses and employers information on my report. Please see the correct current name, addresses that are to be reported. 


Tracking Number XXXX Tracking Number XXXX Tracking Number XXXX Correct spelling of my name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX. XXXX, TX XXXX Incorrect Names : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX  Incorrect XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, Incorrect Employers : XXXX XXXX XXXX and XXXX XXXX XXXXXXXX & XXXX.
Consumer complaint received 2019-02-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

A girl told me via XXXX messenger that she would sell me tickets for {$70.00}. I sent {$70.00} to her requested PayPal account and then she never sent tickets. I have full proof from XXXX messages as well as the receipts from PayPal.
Consumer complaint received 2019-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

XXXX agreed in a letter sent due to a previos CFPB complaint to remove the account information and inquiry from my credit bureau for the XXXX XXXX XXXX. The credit inquiry still appears on my XXXX credit bureau.
Consumer complaint received 2019-02-10
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. (OH)

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX Re : Notice for Proof of Claim Account No. : # XXXX To Whom it may Concern : This is a legal and notarized document. XXXX XXXX   XXXX, XXXX. XXXX, XXXX XXXX XXXX. XXXX ( XX/XX/1959) .States Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is nontransferable. 
If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX  XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Also, I have received a statement claiming that I owe a debt to XXXX-XXXX  XXXX XXXX   and that you are the second collection company. Since this is an error, I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin. 6. ) Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and XXXX-XXXX   XXXX  XXXX  that gave you the right to collect this debt Account No. :XXXX  Respectfully Submitted What would
Consumer complaint received 2019-02-10
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. (OH)

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX : Notice for Proof of Claim Account No. : # XXXX To Whom it may Concern : This is a legal and notarized document. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .States Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is nontransferable. 
If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, XXXX XXXX v. 
XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Also, I have received a statement claiming that I owe a debt to XXXX XXXX XXXX and that you are the second collection company. Since this is an error, I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin. 6. ) Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between  you and XXXX XXXX XXXX that gave you the right to collect this debt Account No. :XXXX Respectfully Submitted What would
Consumer complaint received 2019-02-10
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. (OH)

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX Re : Notice for Proof of Claim Account No. : # XXXX To Whom it may Concern : This is a legal and notarized document. XXXX XXXX   XXXX, XXXX. XXXX, XXXX XXXX XXXX. XXXX ( XXXX ) .States Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is nontransferable. 
If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Also, I have received a statement claiming that I owe a debt to XXXX XXXX XXXX and that you are the second collection company. Since this is an error, I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin. 6. ) Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and XXXX XXXX XXXX that gave you the right to collect this debt Account No. XXXX Respectfully Submitted What would