davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-18
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)

Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

I understand that failure to investigate these accounts Within a period of thirty days will result in " non-verification '' which requires that the above accounts be immediately removed From my credit File. 

I also understand that the Fair Credit Reporting Act - specifically 15 USC sections 168lid ) and 16811 - requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. 
Thank you for your time and attention to this matter. look forward to hearing from you soon. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Took a loan out and they way is 60 days before they took the first payment automatic payment out of my account bank account now they're saying that I miss one month payment I enclose some papers showing that they sent me late papers I tried contacting the company several times for a whole year going around in circles and they refuse to do anything about it I had a lawyer from legal service look into it and all they did was send him paper showing that I missed payment and that they agree with him they did absolutely nothing and they didn't understand my problem so I am now contacting you to look into this matter and I have a whole mess of documents to show you as you can see the refinance of the car was done in 2017 in XXXX and then take the first payment out until XXXX and they refuse to put it on my credit showing when I made the first payment I enclose the graph of the from my credit statement showing all the missed payments and all the pay payment I try paying the late back payment {$50.00} on it but every time I did they would add late fees and interest so it didn't do any good I'm on a fixed income I'm XXXX years old this is ridiculous or what they're doing to me ruining my credit and making me stay in a motel because I can't buy a house now get a loan or credit card because they literally ruined my good credit as you can see from the documents and close the lawyers document is in two parts cuz I could not scan it all in at 1 I appreciate any help that you can give me I already have a complaint filed with you but the website would not let me log in even with resetting my password so therefore I am putting in a new complaint I hope that you can do
Consumer complaint received 2019-02-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (VT)

On XX/XX/XXXX, Commonwealth Financial Systems of XXXX XXXX Pennsylvania falsely reported to major credit reporting agencies ( XXXX, XXXX, and XXXX ) that I owed a debt of {$1000.00} to a medical practice in XXXX, Illinois in 2013. I have never owed such a debt, I did not live in XXXX Illinois in 2013, I have never visited an emergency room. CFS then reported through the mail that they were attempting to collect the debt. I responded informing them that I do not owe such a debt and that their attempt to collect and falsely report the debt violated the Fair Debt Collection Practices Act. They responded by continuing to falsely claim that I owed the debt ( ignoring the fact that they are referring to me by the wrong name ) and have failed to remove their report to the credit agencies. As a result, my credit score dropped more than 100 points, causing my credit card companies to reduce my available credit and increase my adjustable APR. In addition to this violating the FDCPA, they have caused financial damage by libeling my credit.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (FL)

Subject : Formal Complaint to the Consumer Financial Protection Bureau ( CFPB ) Regarding Violations of Consumer Rights by Midland Credit Management Dear [ CFPB Representative ], I am writing to file a formal complaint against Midland Credit Management for multiple violations of my consumer rights. Despite numerous attempts to resolve this matter directly with Midland Credit Management, I have not received any responses or assistance, prompting me to seek intervention from your esteemed agency. As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I am aware of my rights and obligations regarding the handling of my personal information. Specifically, I refer to 15 USC 6082 and 15 USC 6805, which outline the protections afforded to consumers in matters concerning the accuracy and privacy of their credit information. In light of Midland Credit Management 's failure to address my concerns and provide adequate resolution, I hereby exercise my rights under 15 USC 6802 to opt out of any and all authorization, whether written, verbal, or non-verbal, that I may have previously granted to them. This opt-out request is effective immediately. Furthermore, I assert that as a consumer, I am protected by all laws stated in the Privacy Act of 1974, which safeguard my privacy rights and regulate the collection, maintenance, use, and dissemination of personal information by federal agencies. Despite my efforts to communicate with Midland Credit Management and seek a resolution to this matter, their lack of response and apparent disregard for my rights as a consumer compel me to escalate this issue to the attention of the CFPB. I kindly request that the CFPB investigate this matter thoroughly and take appropriate action to ensure that Midland Credit Management complies with all relevant consumer protection laws. Additionally, I seek guidance and assistance in resolving the issues I have encountered with Midland Credit Management. Thank you for your attention to this matter. I look forward to your prompt response and resolution of this complaint. Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

Please remove this information from my credit report, this affects me a lot, I don't want to have it. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-15
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX Account Number XXXX XXXXXXXX Account Number XXXX XXXX  XXXX bankruptcy discharged Reference 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-07-16
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. (NY)

On XX/XX/2017 XXXX XXXX gave me a hard pull which I did not authorize. I never did any business or got a loan from this company. This is fraud and I would like it removed from my file as soon as possible. I had spoke to there customer service team and they had said would remove any hard pull since I never authorized it.
Consumer complaint received 2017-10-17
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. (CO)

Equifax has continued to report multiple accounts on my credit history without actual verification or proof of verification despite multiple disputes under citation of the FCRA, namely : XXXX XXXX for {$2400.00}, XXXX XXXX XXXX for {$690.00}, XXXX, XXXX for {$1200.00}, XXXX XXXX XXXX XXXX for {$16000.00}, and XXXX XXXX XXXX for {$4000.00}.
Consumer complaint received 2015-09-25
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I had a credit card issued by Macy '' XXXX department store and American Express, which I have not used for a year or so. On XXXX XXXX, 2015. I received a statement about a foreign charge in XXXX with foreign charges total {$570.00}. I called the XXXX no. on the card to dispute the charge, after a long wait, I was referred to an XXXX no. which has a recording asking me to send a letter of dispute, which I did by regular mail and later by certified mail. So far I have not received any response from them, I tried to call them again, and this time after long waits I did not get to speak to any real person. Each time I spent a total of 1-2 hours waiting to speak to someone. I think they should send me a letter or call me in response to my letter, and they should have let me speak to someone responsible.
Consumer complaint received 2022-04-15
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. (MD)

Hello I am seeking assistance Im removal inaccurate information listed on each credit agency This may be result of theft that include to my wallet that was stolen around XXXX XX/XX/2021. These debtor accounts are new I have never done any business with this company nor do I have any debtors of these creditor or address listed on XXXX, XXXX and Experian credit agencies reporting new accounts open in XXXX .XXXX  XXXX XXXX XXXX XXXX XXXX and other personal loan is fraudulent accounts XXXX XXXX XXXX also multiple named XXXX, XXXX and XXXX XXXX Fraudulent addresses XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX MD XXXX -All fraudulent personal information added to my credit reports. Any or all data input regarding this address is not valid and without my knowledge or consent. Thank you
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-05-16
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. (NY)

DELIVERED ON XX/XX/22 via registered mail XXXX XXXX XXXX XXXX XXXX this correspondence reminded Experian of their duty to correct report consumer credit. how they were in violation of FCRA 616 & 617 and how the companies that are listed are not providing contracts but are allowed to continue their predatory debt collection actions by reporting information on my credit report.

15 USC 1692 ( d ) ( 1 ) puts emphasis on consumer credit and debt collectors, should they ever step in their attempts to collect a debt.

to further remind this consumer reporting agency that for each unverified account lies a {$1000.00} violation. 
companies have until this day, have yet to provide a lawful contract. 
according to the FCRA any letter that is sent and unanswered is a result a XXXX
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TD BANK US HOLDING COMPANY (OH)

XX/XX/2021 someone tried to open an account under my driver 's license & a phone number I had like 20 years ago thru Target I need a letter to send to XXXX XXXX so a hard hit can be removed. XXXX XXXX said to ask for FTC report- fraud- my cell is XXXX if you have any questions I called you guys 3 months ago & haven't received anything
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

In XXXX of 2022, I received a settlement letter to pay the past due amount of {$250.00} to close the account. I called the company in XXXX to request a pay to remove collection agreement, the representative agreed. I made the payment in XXXX of 2022. A month later I checked my report and noticed that the debt is still showing with a balance of {$250.00} and it says " charged off as bad debt '' " profit and loss write off ''.
Consumer complaint received 2022-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

Today, I reviewed my Experian credit report and found that XXXX is reporting that I owe {$900.00} under account # XXXX. This debt does not belong to me and furthermore, Experian continues to allow XXXX to report this fraudulent erroneous debt to my credit report despite XXXX being " permanently barred from acting as an XXXX, XXXX, employee, agent or advisor to any individual or business that collects, buys, or sells consumer debt as per the Consumer Financial Protection Act of 2010 ( CFPA ) where they violated the Fair Debt Collection Practices Act ( FDCPA ) '' XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-16
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. (VA)

15 U.S.C 1692j Is the Department of Education collecting debt or is XXXX XXXX, you are showing two separate entities collecting the same debt on the consumer report which is inaccurate also see : Dept of Ed/XXXX  amount Direct violation of 15 USC 1681s-2 ( a ) ( 1 ) ( E ) ( iii ) This loan has completed the rehabilitation process.. Delete now.
Consumer complaint received 2016-01-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (MI)

I just got a letter from a collection agency saying I owe XXXX {$74.00} I called the collection agency who told me i need to straighten it out with XXXX. After over an hour on the phone with and talking to XXXX different CSR 's they all tell me they have no record of me ever having an account with them and there is nothing they can do. the collection agency told me they are scheduled to report this to the credit bureau within 30 days
Consumer complaint received 2022-05-16
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. (NY)

LETTER WAS DELIVERED ON XX/XX/22 XXXX XXXX XXXX XXXX XXXX this correspondence reminded transunion of their duty to correct report consumer credit. how they were in violation of FCRA 616 & 617 and how the companies that are listed are not providing contracts but are allowed to continue their predatory debt collection actions by reporting information on my credit report.

15 USC 1692 ( d ) ( 1 ) puts emphasis on consumer credit and debt collectors, should they ever step in their attempts to collect a debt.

to further remind this consumer reporting agency that for each unverified account lies a {$1000.00} violation. 
companies have until this day, have yet to provide a lawful contract.
Consumer complaint received 2022-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (FL)

My name is XXXX XXXX, a federally protected consumer, an agent and principle, holder in due course and attorney in fact to XXXX XXXX. 

I pulled my credit report XX/XX/22 and seen that Receivables Performance wants to cause stress and axiety to my life by causing harm to financial reputation. 

This is a demand for Receivables Performance to cease and desist all communication with me.

The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium pursuant to 15 USC 1692a ( 2 ). As you should be aware that a credit report is a medium. 

Im aware, RPM are committing securities fraud! XXXX XXXX. Waiver or Renunciation of Claim or Right After Breach states A claim or right arising out of an alleged breach may be discharged in whole or in part without consideration by agreement of the aggrieved party in an authenticated record. 

Therefore you're still trying to extort me when the FTC states that consumer reports are not debt parking zones!

Im also aware that FCRA states that i have a right to a fair and equitable credit report and that i also have the right to privacy, meaning that anything i dont want furnished on my credit report can be removed by law. 

The FCRA states once again, that i have a right to a fair and equitable credit report and that i also have the right to privacy. 

See documents attached.
Consumer complaint received 2022-05-16
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In accordance with the fair credit Reporting act XXXX XXXX # 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.

7119 15 USC 1666B : A creditor may no.

treat a payment on a credit card 206 account under an open end consumer credit plan as late for and purpose
Consumer complaint received 2017-05-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NCC Business Services, Inc. (NC)

For 3 years this company has been ( robot ) calling me for a minimum of 4 times a day. They are trying to contact a person   who once lived at my residence. On at least 4 times I have told them that I am not financially responsible for this person, this person is no longer living with at this residence, is deceased, and I am not the administrator/executor of his estate.
Are collectors usually are prohibited from contacting third parties more t  han once?
Consumer complaint received 2019-07-24
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. (AR)

I asked Experian to file a dispute on errors on my credit report. I got the results back and it showed several things deleted on my report but still showed on my credit report. I called and asked for an explanation of there findings. Spoke to a lady and she said that they did no investigation into my claims it was verified electronically and if that was what they said then it was accurate. They did not get any information to see if this was an accurate statement no documentation to verify the accuracy of the accounts no proof of anything. I was told it was the creditors job to investigate not theirs. How is that an investigation? And why do they call it one if they dont investigate.
Consumer complaint received 2022-10-27
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-10-29
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. (OH)

I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago. I have not received as response yet and seems as if my disputes being ignored
Consumer complaint received 2021-10-29
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)

I have contacted the credit bureaus and I have filed a dispute numerous times on fraudulent accounts on my credit file! I have also submitted and FTC report on these accounts! XXXX completed my dispute on XXXX and the dispute # XXXX. The did NOT removed these accounts. I called XXXX on XX/XX/29 and spoke to someone in the fraud department who advise the creditor DO NOT have to provide any proof to say the accounts are validated. They also mention they DO NOT have to follow the FCRA guidelines! The credit bureaus are NOT following their guideline per the FCRA to validate a debt or remove the accounts. They are also not responding in a timely manner. I have ask these bureaus numerous of times to validate this debt is mine and they mention they dont have to and it is my job to validate the debt with the creditor. I also have a recording of the fraud representative from experian telling me this but I cant upload the recording.