davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-09
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-05-22
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. (NY)

on XX/XX/2021 I sent out a letter via certified mail to the consumer reporting agencies informing them of the fact that there was inaccurate information being reported on my consumer report. There is a collection account being reported from XXXX XXXX for {$9000.00} I informed them that I was not liable for the collection and that I was in fact a victim of Identity Theft and also sent them the FTC report. I continued to send the documentation and my disputes are still being ignored, they are still reporting inaccuracies on my report and are not complying. I feel disrespected and violated, at this point I will pursue any avenue in order to resolve this immediately.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Page XXXX 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. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. XXXX Account # XXXX has violated my rights. XXXX XXXX Account # XXXX has violated my rights. XXXX XXXX  XXXX XXXX Account # XXXX and Account # XXXX has violated my rights. XXXX XXXX XXXX Acount # XXXX has violated my rights. XXXX XXXX XXXX  Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States | have the right to privacy. XXXX XXXX XXXX Account # XXXX has violated my rights. XXXX XXXX XXXX  Account # XXXX and Account # XXXX has violated my rights. XXXX XXXX XXXX acount # XXXX has violated my rights. XXXX XXXX  acount # XXXX has violated my rights. XXXX XXXX XXXX  acount # XXXX has violated my rights. XXXX XXXX XXXX acount # XXXX has violated my rights. XXXX XXXX acount # XXXX has violated my rights. 
15 U.S.C 1681 Section 604 A Section 2 : It V 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 all consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX  Account # XXXX has violated my rights. 



15 USC 1681 section 602 A 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 accounts without my written instructions. 

Disputes were sent out on XX/XX/2024 and noting was removed these medical bills are a violation of my consumer law please remove all of these or I will pursue legal action against Credit bureaus and CFPB!!!! 


XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.

Under 15 US Code 1681a ( 3 ) medical collections are in violation and can't be on any credit report
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (CA)

On XXXX I was charged interest of XXXX incorrectly. I have always been on autopay and paid the monthly balance each month. 

I needed to call three separate times in order to get agreement from staff that this was indeed an error on their part. Even though this happened one month ago, and I was the one to identify the mistake, they have been unwilling to pay interest to me on that amount, or to compensate me in any way for the mutliple calls I needed to make in order to rememdy the situation.
Consumer complaint received 2022-01-06
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: American Credit Acceptance, LLC (NC)

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with this company for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Consumer complaint received 2022-08-10
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, US Dept ED Account # XXXX, USDOEXXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vital Solutions, Inc. (NY)

I kept getting call from XXXX XXXX. I have NO debt of any kind whatsoever and a credit rating of XXXX. I have blocked their number but they continue to call and leave the same canned voicemail message. This is harassment and must stop. I received the latest call at XXXX today, X/XX/2018 from XXXX.
Consumer complaint received 2021-09-09
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: GLOBAL SOLUTION BIZ LLC. (CO)

I received a text message from XXXX that read XXXX, XXXX XXXX, Contact XXXX at Global Solution Biz regarding your XXXX XXXX XXXX case in our office. We have made numerous attempts to reach you with no success. Balance Outstanding {$8500.00}. I want to know if you can close and settle for $ XXXX. Your case number is -- -- -- -- -- - and our contact number is XXXX ext XXXX. Or via email XXXX. Thank you in advance for your cooperation. Then the message was immediately sent a second time. 

I responded, you have the wrong number, do not contact me again. You're harassing the wrong person and with my legal background I hope the person you're looking for does not see this as sending this info is illegal. If you call/text this number again, expect a lawsuit. 

They immediately responded in ALL CAPS. 

WE SPOKE TO XXXX XXXX AT THIS NUMBER. HOW DO WE HAVE THE WRONG NUMBER?? 
IT SAY XXXX XXXX ON YOUR VOICE MAIL. 
I OFFER A SETTLEMENT ON THE BALANCE YOU OWE MY CLIENT SO HOW DO YOU WANT TO PAY THIS? 

I responded, you have a lawsuit coming. If your client had any grounds, that's what they would do. Not hire an unprofessional collection agency like you. 

They responded again in all caps MR XXXX MAKE SURE THERE IS A CHECK ATTACHED TO IT FEEL FREE TO CONTACT MY CLIENT AND ALSO PAY THEM WHAT YOU OWE. THANKS HAVE A GOOD EVENING XXXX XXXX I responded : XXXX, you have been notified to stop contacting this number multiple times. What is your mailing address? You've broken at least 4 laws in this 1 conversation as well as contradicted yourself by saying you've attempted to make contact several times with no luck and now saying you've spoken already. If you think harassment is going to get you anything other than a lawsuit, you're sadly mistaken. If you feel mr XXXX owes you or your client money, I suggest you file a lawsuit yourself rather than harassing me via text message. No legitimate business would do that. You hold no credibility with me and i'm sure this is a scam attempt. I will now notify the FTC. Typing in all caps like an upset school girl, just shows you are not a legitimate business. Good Day Maam. 

They replied again in all caps MR XXXX STOP HARASSING ME, I SAID GOOD EVENING AND YOU KEEP TEXTING. 

I REPLIED : What is your mailing address and what state is your collection agency registered? Any real agency is required by law to answer that question. 

They replied : HAVE A GOOD EVENING! 

I replied : what I thought, you are a fraud.
Consumer complaint received 2018-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

I got a letter dated XXXX XXXX XXXX regarding a debt I did n't owe.I identified the account was some sort of identity thief ... .Someone had been using my name around the city without consent ... I cotacted Procollect and allowed them the Police report and letter disputing this account.I keep accurate credit with a 700 plus score.I do n't intend this harm my credit any longer. I have asket this company for a legal address for service of a legal law suit.. this company have n't sent documents signed in my name or any request for there address.I submitted this several time via fax.
Consumer complaint received 2017-07-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

I have a collection account listed on my credit reports by a debt collection agency, Midland Funding LLC, collecting on behalf of XXXX/XXXX. Midland Funding LLC is not licensed to collect in the state of Pennsylvania and therefore I am disputing this collection account. I tried to dispute this account with the BBB on XXXX XXXX,2017 and was unsuccessful.
Consumer complaint received 2021-09-01
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 — Problem with personal statement of dispute
Company: V and H Portfolio (TX)

I talked with Vance and Huffman about my account! I was told that once the payment was mad that the account would be remove from my credit reports! It was removed from XXXX and XXXX.It was completely removed from XXXX but not XXXX.
Consumer complaint received 2022-11-17
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: Experian Information Solutions Inc. (FL)

On XX/XX/2020 Ive sent a request for validation from XXXX XXXX XXXX. This includes copies of documentation that represents a legal ledger in form of Purchase Agreement, Bill of Sale, or transfer of title. Furthermore, it must include a copy of the original agreement made with the principal creditor, XXXX Bank, and myself, outlined by my legal name. 
The document sent by XXXX XXXX XXXX is a statement that represents an account number and some billing statements that represent an account I had formally held with XXXX Bank. The Document doesnt represent a legal ledger in anyway. There is nothing that represents a purchase of such accounts. There is nothing that represents the amount paid, terms of the sales, principal agreements with parties involved. 
The document sent is Considered Hearsay, and I had recently won a judgment against XXXX XXXX under this very same pretense. The XXXX filed a lawsuit in pursuant of an alleged debt and a could not produce purchase agreement to validate that XXXX titleship of such accounts. 
PLEASE DELETE XXXX XXXX  FROM MY CREDIT REPORT. THEY HAVE NOT BEEN ABLE TO PRODUCE LEGAL DOCUMENTATION THAT PROVES TITLESHIP OF THIS ACCOUNT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX Account Number:XXXX Reason : I don't recognize this account
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXXXXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2022-02-19
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. (NC)

in accordance with the fair credit reporting act convergent account # XXXXXXXX XXXX XXXX XXXX violated my rights on XXXX X XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. STATES I HAVE THE RIGHT TO PRIVACY XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS THESE ACCOUNTS VIOLATED MY RIGHTS AS WELL ACCOUNT # XXXX SWISS COLONY XXXX ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (MD)

The monthly reporting of my auto loan with Santander is completely incorrect. Each three credit bureaus has completely different reporting and late payments reported. 

My first payment on XX/XX/XXXX is showing reversed. This shouldn't have been the case. The payment was debited from my account. The next payment shown is XX/XX/XXXX for {$400.00}, which apparently covered my XX/XX/XXXX payment. 

The next payment made was in the amount of {$390.00}, only {$270.00} was reported XX/XX/XXXX. This payment should've covered the months of XX/XX/XXXX and only covered XX/XX/XXXX because of the alleged returned payment. 

The next payment of {$800.00} made on XX/XX/XXXX should've covered XX/XX/XXXX and XX/XX/XXXX. The credit report shows XX/XX/XXXX being 30+ days late on XXXX and XX/XX/XXXX being 30+ days late on XXXX  and XXXX There were 2 months of extensions granted for XX/XX/XXXX and XX/XX/XXXX. XXXX  has XX/XX/XXXX reporting 30+ days late The XX/XX/XXXX payment was made on XX/XX/XXXX. This payment should not be reporting 30+ days late since it was made within 30 days of the due date. This caused a rolling 30 day late on my report through XX/XX/XXXX. 

There was an extension granted in XX/XX/XXXX which should've covered my XX/XX/XXXX  and XX/XX/XXXX Payments. XXXX  shows 30 days late XX/XX/XXXX and XX/XX/XXXX and 30 days late for XX/XX/XXXX and XX/XX/XXXX. Four months of different reporting to each bureau. 

There was another extension provided for the months of XX/XX/XXXX and XX/XX/XXXX,  however all three bureaus are reflecting 30 days late. 

The amount of 30+ days late reported are not nearly as much/frequent as Santander has reported. There statement provided is not user friendly AND they had repo charges on there that should've never been assessed.
Consumer complaint received 2022-01-06
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: Global Lending Services LLC (NC)

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with this company for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Consumer complaint received 2018-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I received a call on my cell phone asking for someone else. When I stated that I was my cell phone and my name the collection agent keep asking me if i new the person. I asked them not to call my cell phone again and hung up.