davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (PA)

On XX/XX/2020 Midland  Credit  XXXX bought my debt of {$400.00} from XXXX XXXX. Both Midland Credit XXXX XXXX XXXX XXXX have violated multiple federal consumer protection laws. 

1. 15 USC 1681B - Midland Credit XXXX reported this information without the consent of the consumer. Which is XXXX XXXX, who is me the consumer, natural person, and the original creditor. 

2. 15 USC 1681 [ A ] [ 2 ] [ B ] - Midland Credit XXXX furnished a report that was created from my social security card which is a credit card pursuant to the definition 15 USC 1602 ( l ). 

3. 15 USC 1692J Midland Credit XXXX furnished a deceptive account on my consumer report. Trying to make me believe I owe a debt. 

Both Midland Credit XXXX and XXXX XXXX are committing aggravated Identity Theft. Pursuant to 18 U.S.C. 1028A Simply stated, aggravated identity theft occurs when someone knowingly transfers, possesses, or uses without permission, identification of another person, and then uses that identification during and/or in relation to the act of a particular felony violation. 

I demand that Midland Credit XXXX cease communication with me about this debt in all mediums including through my consumer report or I will be force to pursue litigation expeditiously.
Consumer complaint received 2022-05-13
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. (MO)

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-19
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 have contacted Equifax, XXXX and XXXX numerous times in XXXX and XX/XX/2019 to request that they remove all outstanding disputes on my record. Each call the rep places me on hold and returns and says it is done. Each time thereafter my mortgage company pulls my credit and tit is still there. This cycle has repeated itself for 2 weeks and the only change that has occurred is a credit drop from XXXX to XXXX with Equifax. 

Equifax treating each mortgage inquiry as a new inquiry, even though they all fall within 14 days. 

None of the 3 companies have removed any disputes as I have begged them.
Consumer complaint received 2019-04-25
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. (VA)

In XXXX and XX/XX/XXXX XXXX reported to Equifax that I was delinquent for those two months on an account that was paid off in XX/XX/XXXX. If Equifax had done their due diligence they could have verified that what they reported was not accurate. They added a note on my account which affected my credit score and has cause me to have a higher interest rate when applying for home loans.
Consumer complaint received 2019-04-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (WI)

Just got off the with a female representative who refused to disclose any details or send me any information in the mail regarding two accounts I have with them. Todays date is XX/XX/2019 and the phone call was at approximately XXXX XXXX cst. I am disputing both of these accounts and they are refusing to cooperate.
Consumer complaint received 2022-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have disputed an inaccurate and unverified account XXXX XXXX XXXX XXXX XXXX  several times with Experian. After repeatedly providing factual proof that is account is being reported inaccurately, Experian continues to violate the FCRA by reporting inaccurate information. Secondly, Experian has yet to provide any proof of verification upon request after this account was allegedly verified. How can this account be verified as accurate when it is reporting a balance. A charged off account should never show a balance since it has been charged off. The continued deliberate noncompliance of FCRA regulations by Experian has been well documented with each certified dispute. I have carefully recorded each violation that has occurred throughout the dispute process. This account has adversely affected my credit profile and does not accurately reflect the true nature of my responsible credit use. Per the FCRA, I am requesting this inaccurate and unverified account be deleted immediately.
Consumer complaint received 2019-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In XXXX, or XXXX, of XXXX I saw on my Transunion Credit Report that there was a Dept of Treasury lien. I didn't I have ..so I called the number they listed it was a Maryland number but it turned out to be some sort of janitorial service. I called TransUnion Repeatedly and subsequently filed a dispute. Dispute # XXXX. And it was removed. Later I found out that there was a settlement for the false reporting I contacted a Law Firm XXXX XXXX in XXXX Virginia, they said I needed a copy of the report, when I looked up my XX/XX/XXXX Transunion credit report the treasury Debt was gone and they said they hadn't reported anything false since XXXX. That is a huge lie, it was on my Credit Report. My Credit Union sent me a picture of the debt on my credit report that was run by them in XXXX of XXXX. 

I never had a debt. Also the Law Firm  XXXX XXXX who are supposed to be the Settlement Administrators, Are telling me they can not accept the photo from my credit Union Loan officer of the Unique identifier number from my Dispute that was clearly filed and resolved. I am complaining 1 ) about TransUnion and 2 ) about the Settlement Administrator.. What are they doing that they can not get the proof from TransUnion to issue my settlement. Are other consumers going through this with this settlement administrator? and did other people have false debt reported on their credit reports. IS it legal for them to remove the Treasury Debt from the stored XXXX credit report?
Consumer complaint received 2019-04-25
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: Bread Financial Holdings, Inc. (MD)

there are errors on my report because of breech with XXXX but it seems as though the credit reporting company will not delete incorrect information. HOW CAN I GET ITEMS DELETED OR REMOVED THEY ARE NOT MINE, MY IDENTITY WAS STOLEN.
Consumer complaint received 2021-11-08
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. (MD)

I am XXXX XXXX I am submitting this complaint myself and there is no third party involved.I have been patiently waiting on their response to the written requests I sent. We have been sending written letters since XX/XX/2021 with regards to my request of removing the items in question and my last request was sent in XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ChargeOff : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} Collection : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$240.00}
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (TN)

I understand that Experian, XXXX and XXXX assumed a vital role in assemble information on me as a federal protected consumer. Experian, XXXX and XXXX is impeding the banking system. Experian, XXXX, XXXX is not invested in ensuring that my credit report is fair and accurate 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). You ( Experian, XXXX and XXXX ) are impairing the efficiency of the bank system. I have lost confidence in the system because the system is not vested in ensuring accurate consumer reporting. I didn't give permission to report the following information which puts you ( Experian, XXXX and XXXX ) in violations. I didn't give you permission to report late payments, charged offs, inquiries, bankruptcy, etc. Please remove these items immediately not later than 4 business days 1681 ( c ) ( 2 ). I never gave consent to XXXX XXXX verification. Agency is not suppose to rely on the information provided by the furnisher of that item when doing an investigation. They have to do a independent investigation of the information being reported. They suppose to conduct personal interviews. They must notify me who they're going to contact to conduct these interviews 15 USC 1692 ( b ). 15 USC 1611- Criminal liability for willful and knowing violation. Experian has cause intentional infliction of emotional distress, invasion of my privacy, fraud, negligence, breach of duty and conversion ( use of information without permission ). I will like to sue for compensatory damages, punitive damages, injunctive relief and emotional damages.
Consumer complaint received 2022-11-19
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. (GA)

I sent a letter on XX/XX/XXXX to XXXX credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$700.00}, XXXX XXXX XXXX Balance : {$1200.00}, XXXX XXXX Balance XXXX {$4600.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$26000.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance 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. 

Account Name : XXXX XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name XXXX XXXX XXXX Account NumberXXXX  Account Name : XXXX XXXXXXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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.
Consumer complaint received 2022-05-13
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: Resurgent Capital Services L.P. (MI)

In XX/XX/XXXX, XXXX LVNV Funding LLC collection accounts was deleted on my credit consumer report from XXXX and XXXX per my dispute request. XXXX refuses to remove these negative XXXX accounts to present. After multiple certified mail attempts XXXX and LVNV Funding LLC will not verify or validate these collection accounts. XX/XX/XXXX debt validation and debt verification letters were sent certified to both companies and again could not provide any information to prove this debt. Today is XX/XX/XXXX, my rights have continously been violated. I have all documents saved for legal purposes if necessary. Attached are pictures of the deleted accounts. As stated, I have all records for legal purposes if necessary.
Consumer complaint received 2022-05-13
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. (MD)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion/XXXX  was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TRANSUNION : XXXX XX/XX/XXXX
Consumer complaint received 2022-05-13
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. (MO)

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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian/XXXX/XXXX  Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}, XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX  XXXX CRP ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00}, XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016, XXXX  XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00}, ACCT XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$98.00}
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc. (MN)

My personal information was exposed on line around XXXX XXXX XXXX. there was multiple fraudulent accounts. that was opened or attempted to be open. after filing police reports and identity theft reports. i was able to clear most of the fraudulent accounts up. form the consumer reporting agencies. but XXXX XXXX XXXX XXXX XXXX is refusing to remove XXXX of the hard inquires that was unauthorized and fraudulent. with many attempts to clear this up. they are still refusing.
Consumer complaint received 2023-10-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC (TX)

On XX/XX/, I received a letter from REVCO Solutions Inc, XXXX XXXX Ohio- regarding an alleged outstanding balance owed to XXXX XXXX XXXX XXXX XXXX Tx XXXX for a total of $ XXXX from XX/XX/XXXX XXXX I emailed a response on same date XX/XX/ via email where I presented all docs showing that I do not owe any money to this Hospital since I did not authorize any type of medical services from them. I also specifically demanded a Cease and Desist action but this company kept contacting me via phone at all hours. 
I request from this company to rectify their error sending me a threatening letter to collect money that I do not owe based on evidence of no medical services rendered by their doctors XXXX XXXX ( ER Physician ), XXXX XXXX ( Radiologist ) and XXXX XXXX XXXX XXXX ; all of them provided {$0.00} balance statements. 
It is a shame this company REVCO Collection Agency invested on a bogus outstanding balance portfolio from this Hospital based on unauthorized medical services allegedly provided.

As I requested before, I request a Cease and Desist from this company and to update their systems by dismissing alleged outstanding balance.
Consumer complaint received 2022-05-13
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. (MO)

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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX/TransUnion/XXXX  Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$0.00}, XXXX XXXXXXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ACCT XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00}, XXXX XXXX XXXX  XXXX Date Filed/Reported : XX/XX/2016XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00}, XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$98.00}
Consumer complaint received 2022-05-13
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (MI)

on of Complaint : My account was hacked and I had a large amount of transactions transfered out of my account via zelle fraudulently, I waited hours multiple different phone calls with Huntington to figure out what's going on file a dispute etc. Was told I'd get my money back within ten days, six or seven days go by, I get a letter in the mail. They are claiming these transactions were sent from my IP address, so therefore they are not fraud. And their logic to just assume because my IP address was used ( which they have given no proof of ) that they will just ignore my case and say it's not fraud is unlogical and criminal. DO NOT BANK HERE, the support is disrespectful you will wair hours on hold every time u try to contact them, and they will not protect your money from fraud. Huntington has allowed, over XXXX $ to be stolen from me. And I they are leaving me zero options besides, have my lawyer file the papers and pursue this legally. 

If requested I can get the dates and ammount of each transactio, the bank already has this info.