davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


IDENTITY THEFT ACCOUNTS : XXXX XXXX  XXXX # XXXX - IDENTITY THEFT XXXX XXXX # XXXX - IDENTITY THEFT UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/2021 XXXX XXXX5 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

During my brief marriage to XXXX XXXX XXXX of the XXXX, GA area, he fraudulently secured credit cards in my name by forging my signature. I now have a situation where a credit management company is trying to garnish my work wages as a result of this fraudulent activity. The company is : Midland Credit Management Inc. The MCM account number is XXXX and the telephone number is ( XXXX ) XXXX. Filed under my name XXXX XXXX ( XXXX ) XXXX.
Consumer complaint received 2024-02-21
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: EQUIFAX, INC. (DE)

I have asked Equifax multiple times to update my credit report to reflect accurate information and they have failed to do so. According to Fair Credit Reporting Act, 611-15 U.S.C. 1681i, page 60, section 5, after any reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete, or can not be verified. The consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation and promptly notify the furniture of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2023-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (WI)

Discover card service is trying to collect a debt of {$410.00} from 2017. This was a secured credit card where I funded my own credit limit. I put a deposit down of {$500.00}. Which I never received back which should have went towards whatever debt that was left over. Discover have yet to provide an itemized statement with my deposit that I paid which covers what the current balance they are reporting.
Consumer complaint received 2022-03-01
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX  Account 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 2019-05-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was on XXXX when I went to this company. This bill, like all of my other medical bills should have been resubmitted and taken care of. Unfortunately this company will not resubmit and as a result its in my credit report.
Consumer complaint received 2021-11-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: LDF Holdings, LLC (MT)

I needed money for license plates and tires so a first i tried to borrow {$1500.00} but cpouldnt affor {$300.00} a month payments so i went with borrowing {$500.00} with an interest rate of 243 % i later found that you cant loan over 36 % in Montana. Also that payday loans are illegal here. The man on the other of the phone said it was 7 %. I have tried to call with no answers. 
This was msupposed to be a monthly loan or i would have noticed XXXX payments instead of XXXX in the installment page online. 
they made no mention of payday loan but the AG office said that is what i have gotten into. 
I needed the money and they took advantage of that and totally decieved me through the whole process. 
am taking steps with the AG here in Montana
Consumer complaint received 2015-09-17
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Paypal Holdings, Inc (CA)

Paypal Credit denied my application for an account because they said they could n't identify me. ( I have had a PayPal account for many years ) They used " public records '' from a company called XXXX. The questions were : Have you or anyone you 've known lived in the following cities ( them they gave me a list of XXXX cities ) the second question was for the exact street number of the house where I lived with my mother 37 years ago. There was a XXXX question also but I forget what it was.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am writing to complaint to EQUIFAX about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and my name is XXXX XXXX. My birthdate is XX/XX/1966. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing
Consumer complaint received 2020-07-09
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: Experian Information Solutions Inc. (TX)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2017-01-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (FL)

I called the collection agency to make a payment. They refused to credit the account or even give me the collection amount unless I provided social security number. They identified the account and verified the information by address account number and name and still demanded a SSN. 

FCRA and SSA forbid the use of SSN as an identifier. The company and XXXX both refused to take payment without SSN
Consumer complaint received 2022-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I WAS A VICTIM OF IDENTITY THEFT, XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-19
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: Experian Information Solutions Inc. (NY)

in accordance with the fair credit reporting act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX XXXX XXXX XXXX CLOSED Account Status N/A Credit Utilization XXXX XXXX XXXX XXXX XXXX Age of Account XX/XX/XXXXXX/XX/XXXX XXXX CLOSED Account Status N/A Credit Utilization XXXX Late Payments XXXX Age of Account XX/XX/XXXX CLOSED Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of AccountXX/XX/XXXX| XXXX XXXX CLOSED Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account DEPT OF EDUCATIONXXXX XXXX XXXX XXXX {$1700.00} Remaining Balance XXXX XXXX Amount XXXX Late Payments XXXX Age of Account DEPT OF EDUCATIONXXXX XXXX XXXX XXXX {$3000.00} Remaining Balance Last Payment Amount XXXX Late Payments XXXX Age of Account XX/XX/XXXX| xxxxxxxxxxxx XXXX CLOSED Account Status {$13.00} Last Payment Amount XXXX Late Payments XXXX XXXX Age of Account XX/XX/XXXX CLOSED Account Status {$0.00} Last Payment Amount XXXX Late Payments XXXX Age of Account XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX CLOSED Account Status {$15.00} Last Payment Amount XXXX Late Payments XXXX XXXX Age of Account 15 usc 1681a 4 fcra section state i have the right privacy 15 usc 1681b section 604a section 2. it also states a consumer reporting agency can not furnish an account without my written instructions which basically is saying that unless you give the company written consent to put this on your report that is the only way that they're allowed to report it to the credit bureau, which I have not given any permission. then it says 15 usc 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 they may only report crimes not debts which the report by more than three years 15 usc 1681 s 2 a 1, - a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1692k - Civil liability. ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}
Consumer complaint received 2021-01-25
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: Source Receivables Management LLC (AZ)

I have been getting the run around from Source Receivables and XXXX. I have asked for contract or a itemization from Source Receivables they tell me to ask XXXX and neither one of them will give me what I'm asking for. This is not a hard request to complete. This is not a legiment account and needs to remove from my report.
Consumer complaint received 2023-04-02
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. (MI)

In accordance with the fair credit reporting the following companies have violated my rights XXXX open : XX/XX/XXXX, XXXX XXXX XXXX open : XX/XX/XXXX XXXX XXXX XXXXXXXX open : XX/XX/XXXX, XXXX XXXX XXXX  XXXX open : XX/XX/XXXX, XXXX XXXXXXXX # XXXX open : XX/XX/XXXX, XXXX XXXX XXXX # XXXX open : XX/XX/XXXX, XXXX  # XXXX open:XXXX XXXX XXXX XXXX  XXXX XXXX open : XX/XX/XXXX XXXX XXXX : date ( s ) - XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. 
15 u.s.c 1681 section 602 a state I have the rights to privacy 15u.s.c 1681 604 a. Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

in accordance with the fair XXXX XXXX act XXXX XXXX  my rights 15 US C 1681 section 802 A. States I have the right lo privacy.

15 US. C 1881 Section 804 A Section 2 : 2 also states a consumer reportng agone ) can not fumish a account witout my writen instructions XXXX. XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Account type Collection XXXX. XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Charge Card XXXX. XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan XXXX XXXX XXXX XXXX Account XXXX XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan
Consumer complaint received 2018-12-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc. (OH)

To Whom It May Concern, The reason for my dispute is Credit Corp Solutions Inc. was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. 
Also, Credit Corp Solutions Inc. failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809.

Validations of date and Mini-Mirandi under Section 807 ( 1 ) Credit Corp Solutions Inc failed to send me my initial communication  before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX, XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where Credit Corp Solutions is in compliance with OHIO LAW. 
I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. Credit Corp Solutions Inc. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Consumer complaint received 2022-08-08
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. (VA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-01-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: TD BANK US HOLDING COMPANY (MD)

This case is about a payment made that resulted in the vehicle being paid in full. The Bank refuses to give me the documentation to release the loan on the vehicle. The car was paid in full on XX/XX/XXXX, Money deducted from bank on XX/XX/XXXX, the bank stated that they received the payment in full payment on XX/XX/XXXX, XXXX mailed out on XX/XX/XXXX. I called on the 4 of XX/XX/XXXX and all of this information was confirmed, but I never got the title which they stated I will received in 7 to 10 business days there words not mines. They wrote it in my account also. I called and ask where is the title release document, TD bank stated that why I want the title? ... I stated i plan on selling the car and want to hand the new buyer a clear title. TD bank stated we do not know what happen to the title just do a bill of sale. ( What? ). I said no I want a title release document from you to get a title... Why can I get a title? TD bank stated shy are you rushing us to give you a title. I read back to them, their words : " You will get your title back i 7 to 10 Business days '' on my online account. They said " Why are you looking online at your account it is close. I said I still have access to it and your lien is still on the title account. They said I can not get the title release document do a technical difficulty on our end. I just want my title release document - TD bank has been given me wrong information and flat out lying to me. I still have not got a date or an acceptable status of the title release documents being sent. They done nothing but give false and misleading information but no title release has not been mailed out.
Consumer complaint received 2021-11-05
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. (SC)

XXXX XXXX XXXX Is practicing Unfair means to collect a debt. XXXX XXXX XXXX is using two different accounts to numbers on my credit reports. 
XXXX has different account number than XXXX and TransUnion. 

This is clearly inaccurate report. XXXX XXXX XXXX is violating several laws 15 USC 1692F A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector 's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit. 

( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.

( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.

( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.

( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.

( 7 ) Communicating with a consumer regarding a debt by post card.

( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
Consumer complaint received 2024-02-21
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: EQUIFAX, INC. (NY)

Subject : Formal Request for Investigation and Removal of Unauthorized Inquiries from Credit Report Dear Consumer Financial Protection Bureau, I trust this letter finds you well. My name is XXXX, and I am writing to bring to your attention a concerning matter regarding unauthorized inquiries on my personal credit report, in violation of consumer protection laws.

The specific issues are related to the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) - Section 1681b ( f ) : I have recently discovered unauthorized inquiries on my personal credit report. According to FCRA Section 1681b ( f ), a consumer reporting agency may not furnish a consumer report for employment purposes unless the consumer has given written consent. The inquiries in question were made without my explicit consent, and I am concerned about the potential negative impact on my creditworthiness.

Fair Credit Reporting Act ( FCRA ) - Section 611 ( a ) ( 3 ) ( A ) : FCRA Section 611 ( a ) ( 3 ) ( A ) grants consumers the right to dispute inaccuracies on their credit reports. Given that these inquiries were made without proper authorization, I am exercising my right to dispute them and seek their removal from my credit report.

I kindly request the Consumer Financial Protection Bureau 's intervention to investigate this matter thoroughly and ensure the prompt removal of these unauthorized inquiries from my credit report. Enclosed with this letter, please find supporting documentation highlighting the unauthorized nature of these inquiries.

Your swift attention to this matter is essential in preserving the accuracy and integrity of my credit report. I appreciate your dedication to upholding consumer rights and fair credit reporting practices. 

Thank you for your assistance. 

Sincerely, XXXX XXXX