davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-23
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. (NV)

In accordance with the fair credit reporting act convergent account XXXX XXXX # XXXX has violated my rights. 

In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX XXXX has violated my rights. 



In accordance with the fair credit reporting act convergent account XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX XXXX XXXX has violated my rights. 



In accordance with the fair credit reporting act convergent account XXXX XXXXXXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXX  XXXX has violated my rights. 

In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX has violated my rights. 

In accordance with the fair credit reporting act convergent account XXXX XXXX XXXXXXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXX XXXXXXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXXXXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX-XXXXXXXXXXXXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account US DIST CT Bankruptcy XXXXXXXX XXXX # XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXXXXXX 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 written instructions.
Consumer complaint received 2021-07-25
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. (PA)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2021-06-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-12-03
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: Experian Information Solutions Inc. (CA)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$3800.00} ; US DEPT ED XXXX Balance : {$3200.00} ; US DEPT ED XXXX XXXX : {$3800.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} ; XXXX XXXXXXXX Balance : {$0.00} ; DP OF EDUC XXXX Balance : {$3800.00} ; DP OF EDUC XXXX Balance : {$3800.00} ; DP OF EDUC XXXX Balance : {$3200.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 2022-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (IL)

Dear CFPB Thank you for hearing me again over the last 8 yrs. we have been dealing with several accounts that was done by Fraud/ Identity theft. When I was living out of the country for those 8 years. You guys helped me get these accounts removed over 6 times in a 5 yr period. 
The creditors found out they was fraud and removed them as you guys recall I had to get the police and Attorney General involved. Now the same company has Sold the account to the Collection agency thats listed. 
My Life has been destroyed if you guys recall I been fighting this for years and even had a massive XXXX XXXX over it, and I have been rejected from Jobs, school even a place to live. Im XXXX because in my city you cant have collections you cant rent. Even someone had got two evictions on my name when I was out of the country. 
I went to save lives and my life was being destroyed, the collection agency has been Ruthless and pure evil to me, not wanting to listen or even understand. I also the collections agency put it meets FCC regulations and I Agree it should be on my report. I DO NOT AGREE, and the company Lied and stated I agree. 
I swear on my soul my Identity had been stolen back then and even I had Several Security breaches from the DOJ because I support victims of XXXX. I cant get Hired with these collections.

Im not a liar and I promise you I did not open the account and I had proven that several times, the issue is how much more suffering will I go through. Because I was found incent and when they SALE these accounts it start all over. 
With my line of work with victims of XXXX I cant have collections, or I would get fired, and I did not do these things and should not have to pay for these things. The collections are not large but still I did not do this. And to suffer from 2013 to current is insane. 
IM XXXX OVER THIS AND CANT GO BACK TO WORK UNTIL ITS CLEAR. They dont want to see anything thats negative. why do I have to lose my whole life and now during a pandemic every time this pops up on my reports, I get Fired and lose my Apartment. Because they check our credit monthly. 
I need you guys Help again to get this deleted please completely and for them to stop asking me to send more documents, because they dont have full documents and they are using what I sent in against me to build a case to stick me with a bill I dont owe. 
DID YOU GUYS KNOW THATS WHAT THE COLLECTION AGENCY BEEN DOING TO ME? and they called my Daughter and her boyfriend also a Co worker who I have not seen sense i was fired. Im dying out here help me get this deleted again. Thank you
Consumer complaint received 2021-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

I am the consumer, according to 15 USC 1692, I do not owe any debt because I am the consumer and Im not obligated to pay. I am an administer agent according to 15 USC 1602, Im an administer agent and I do not owe that. Social security card belongs to the social security administration, I have to give it back at their request so therefore, Im just an administer agent, I do not own it and I do not own any debt attached to it. 18 USC 8 will provide the information to you. I do not own the debt.

Youre talking to the consumer and they can not validate any debts. To validate a debt is an assess in action. I am the consumer and I am the only one, who can validate a debt and the debt is not mine, it is not true.

Ive done disputes in the past. According to 15 USC 1681 a-e, it states you have to do interviews with my family, associates and neighbors. You did not do that and did not provide that. You did not provide any information of anyone who was associated with the consumer, which is myself. 

Under the law, my federal consumer rights, I am instructing you right now according to 15 USC 1681 b-a-2 to remove all closed and collection accounts according to my written instructions. Consumer reporting is voluntary and I did not give you permission to furnish any of my information. I will be pursuing you next for violating my rights. 

In order to verify, you had to investigate. If a FBI agent investigates, they do not look at a piece of paper and say this guy is going to jail, they have to interview people, witnesses. In order for a consumer to have a witness, they would have to witness the signing of the contract, or contact the neighbors.
Consumer complaint received 2024-02-13
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. (FL)

In accordance with the Fair Credit Reporting act, the list of accounts XXXX has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC 1681.

The accounts bellow have violated my rights 15 U.S.C 1681 section 602A. States I have the right to my 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 1681 ( a ) ( 5 ) Section Status : no consumer reporting agency may make any consumer report containing any of the fallowing item 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 USC 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. 

Delete the account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-16
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX  XXXX XXXX .... Balance : {$1400.00} ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXXXXXX XXXX .... Balance : {$410.00} ; XXXX XXXX XXXX .... Balance : {$450.00} ; XXXX XXXX XXXX .... Balance : {$1700.00} ; XXXXXXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Equifax is reporting late payments on my credit report that are not late and violated the ( CARES ) Act forbearance program regulations it states that NO LATE PAYMENTS are to be reported to the credit bureaus during the time of Covid 's ( CARES ) Act forbearance period. 

I have listed the accounts with the late payments on my report that should not be reporting late especially if payment arrangements has been made. Failure to comply is a direct violation of FCRA section 623, 15 U.S.C 1681s-2 ; 12 CFR part 1022 subpart E. 

" If my account is current and I make an agreement to make a partial payment, skip a payment, or other accommodation, then the creditor is REQUIRED to report to credit reporting companies that I am CURRENT ON MY LOAN OR ACCOUNT. 

These accounts LATE PAYMENTS needs to be update to CURRENT that were reporting during the pandemic : 1. XXXX XXXX-Please update reported late payment showing on XX/XX/XXXX from 30 days late to CURRENT or to NO REPORTING Account Number :. XXXX  XXXX Account Number : XXXX 2. XXXXXXXX XXXX- Please update reported late payment showing on XX/XX/XXXX from 30 days late to CURRENT or NO REPORTING Account Number : XXXX XXXX. XXXXXXXX XXXX-Please update reported late payments showing on XX/XX/XXXX, XX/XX/XXXX, and XXXX remove the 30 days late to CURRENT or NO REPORTING Account Number : XXXX
Consumer complaint received 2022-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Servicing Group LLC (OK)

this company ASG recovery kept on calling my family members about a debt that was charged off by XXXX XXXXXXXX XXXX  which i was never affiliated with it apparently it has to do with a credit card that they provide online XXXX. I don't know anything about it XXXX and if I did do it I never received a card which I know I didn't do XXXX they charged it off and now ASG recovery says that I owe over {$3000.00} which I never had the card I don't know what they're talking about
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

My name is XXXX XXXX. These are the companies on my credit report that are not reporting the correct information on my credit report. Capital one, XXXX XXXX, XXXX, XXXX XXXX XXXX. They seem to add interest to my balance and late fees without hesitation, but non of these merchants does not report changes on account promptly to the 3 major credit bureau, Therefore making my information on my credit report look inconsistent. I have made payments to these merchants, but they are not reporting information promptly.
Consumer complaint received 2018-08-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SMITH, ROUCHON & ASSOCIATES, INC. (MS)

Since XX/XX/2017 the company the company SMITH Roucon & Associates have been reporting false information to XXXX, XXXX, and XXXX. This company has committed fraud by reporting false information. I have contacted this company n several occasions and informed them that i have FULL MEDICARE COVERAGE and have for the last three years. I have mailed in documetns. Also the creditor has billed MEDICARE and have been paid.
Consumer complaint received 2018-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2016. 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2022-02-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC. (UT)

Had credit card through XXXX XXXX XXXX. account was closed and reported to credit bureau 's before I could make a minimum payment. Account opened on XXXX from what I recall.
Consumer complaint received 2022-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

We have been effected by the XXXX  Data Breach that resulted in identity theft ( SSA Case # XXXX ). Since that time, we have had an extremely difficult time maintaining proper cashflow into our household. We have had several accounts frozen and an inability to get credit. 

This has resulted in Bank of America ( which was our only Account that was unaffected but this crime ) to be low on several occasions. 

Since, XX/XX/2018 when this started, Bank of America has charged us {$2400.00} in fees alone. This is outrageous and should be criminal.
Consumer complaint received 2021-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2021-06-12
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. (CA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2022-02-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Creditors Bureau Associates (GA)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against CREDITORS BUREAU ASSOCIATES for committing identity theft. I have never given CREDITORS BUREAU ASSOCIATES any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CREDITORS BUREAU ASSOCIATES can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and CREDITORS BUREAU ASSOCIATES continues its collection efforts, I will file for litigation for actual damages caused and CREDITORS BUREAU ASSOCIATES will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. 
Account # : xxxxx XXXX, xxxxx XXXX, xxxxx XXXX
Consumer complaint received 2022-12-03
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. (LA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$82000.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$13000.00} XXXX  XXXX Balance : {$210.00} XXXX  XXXX Balance : {$140.00} XXXX XX/XX/2021