davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-24
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: World Acceptance Corporation (MO)

XXXX removed the following account XXXX XXXX XXXX as of XXXX XXXX. The account was then re added as of XXXX XXXX. This account has continued to be re aged and I have let XXXX know that this account is fraudulent and needs to be removed. XXXX has XXXX XXXX XXXX XXXX aged as well as listed as charge off which is a violation and XXXX keeps violating my fraud alert and notice of identity theft communication from FTC reports. 

World Finance is also an account that is listed on my credit report that is not my account and also makes me a victim of identity theft. This account continues to be re aged and listed as a charge off as well.
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (TN)

1.I have never had an account with this company BARCLAYS BANK DELAWARE XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are BARCLAYS BANK DELAWARE the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 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 ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) 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 ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 168XXXX.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (MD)

XXXX XXXX Bank and XXXX responded on a cfpb report stating they did not provide the reporting therefore based on XXXX XXXX Bank and XXXX response i demand account get deleted from my Chexsystems file ASAP See the cfpb cover page with cfpb number screenshot As XXXX XXXXXXXX XXXX And XXXX to provide the report and response
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

1.XXXX account # XXXX I disputed the accuracy of this account and told them that it is incorrectly being reported as a charged off account with a balance due, further more asking them to provide proof by verifying the charge off and update the balance to {$0.00} or delete the negative payment status on this account. To this day they just keep saying it was verified without showing me proof. 

2. XXXX Account # XXXX I disputed this account stating : " I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 

Per the FCRA 611 ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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 consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2022-06-24
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. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX -XXXX XXXX XXXX -XXXX XXXXXXXX XXXX XXXX -XXXX  XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-06-24
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)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX MI XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I recently received notification 2 days ago that my credit score with XXXX changed. I was HORRIFIED to learn through several other websites ( XXXX XXXX, etc ) that my XXXX credit score dropped 85 points for just one reason. My utilization on my XXXX XXXX was at {$460.00} out of a {$500.00} credit line. My mortgage is always paid on time. My auto loan is always paid on time. I have a friend who has NO good trade lines and his credit score is higher! WHY? My Equifax score was also very low despite having paid most of my bills on time and was wondering why my XXXX score was so much higher than these 2 credit bureaus even though ironically my personal information was exposed through these very two credit companies that are currently discriminating against me! I am XXXX as is my spouse who is also a XXXX and we struggle to pay our bills and was just about to do a cash out refinance VA loan so we could consolidate bills but more importantly, modify our home due to a XXXX necessity and add a bathroom downstairs for my spouse who has trouble on the stairs. So now, thanks to XXXX and Equifax, we are being declined. I contacted XXXX  ( who outsources calls ) and was on hold for 45 minutes yesterday and when I finally got through was told there was nothing they could do because they could not access my report due to their " system being down ''. I have been locked out of the XXXX website and have to rely on 3rd party credit companies to get any information. And despite receiving an email that my password was reset I still can not access their site because I am once again locked out. I am disgusted angry and in disbelief that any scoring system would do that to someone and to make matters worse, my credit was even improved due to incorrect information being deleted since then but no changes have been made to my score.I intend on searching the internet to see if there is a class action lawsuit against these 2 credit reporting companies and join one or start one myself. Thank you for allowing me the opportunity to address this unfair and almost criminal company doing everything they can to ruin me and my family!
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I previously had a XXXX XXXX credit card. Unfortunately due to circumstances out of my control I was unable to continue paying on the credit card. The account was charged off XX/XX/XXXX. Recently on XX/XX/XXXX XXXX XXXX reported the account as charged off but open with a balance over the limit ( {$4600.00} ) causing my credit score to drop XXXX points. I have disputed this more than once with Experian. Although they say there was an update to my credit report no updates were made and the information still remains.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion continues to violate my consumer rights and is committing fraud by reporting inaccurate and unverified bankruptcy. The court has said they did not verify this inaccurate information and I demanded XXXX XXXX remove the inaccurate and unverified information they were furnishing to all CRAs. TransUnion 's willful noncompliance is causing unnecessary anguish and distress.
Consumer complaint received 2020-05-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC (TX)

XX/XX/2020 To whom it may concern : I would like to file a complaint against a collection agency by the name of First Source Advantage LLC.

This collection agency is slandering my name, as well as my credit, by attempting to collect on a debt that they did not verify with me prior to placing that debt onto my credit files. 

This debt collector has made calls leaving voicemails, as well as making subsequent follow-up calls, someone by the name of XXXX XXXX, from a ( XXXX ) XXXX. 
XXXX left a reference number of XXXX in the voicemail that was left. 

Calls have also been made to people whom they believe to be my friends, or relatives, and that is wrong. 

I know nothing about this company, nor the debt that they have wrongfully put onto my credit files without my prior knowledge. 

I do not owe that collection agency anything, and I want them to cease and desist from contacting me, or anyone that is associated with me, or I will be contacting an attorney. 

As well as, I want them to remove any and all of the fraudulent derogatory collection information that they have placed onto my credit files, as well as their company files. 

I want the Consumer Financial Protection Bureau fully involved in this complaint, the collection agency can contact the CFPB, and the CFPB, can contact me. 

I want hard copy proof from a letter with their letterhead when they have removed the slanderous derogatory information from my credit files. 

I would like proof that this company is licensed to collect in my state. 
And I would also like for them to provide their license numbers, and Registered Agent documentation.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I am submitting this complaint because Credit Acceptance Corp failed to comply with my XXXX XXXX Compliant Record Request for my personal examination to validate and verify. privy of contract. 
I submitted a letter on XX/XX/XXXX to Credit Acceptance Corp requesting that the original copy or certified copy of the original agreement/contract bearing my wet ink signature for account XXXX with CREDIT ACCEPTANCE CORPORATION XXXX Which is being reported as an alleged repossession on my consumer report by their XXXX XXXX XXXX. 
They are reporting ( inaccurate, incomplete, and/or inaccurate and incomplete ) information in consumer reports concerning me that they have compiled and published to third parties and consumer reporting agencies. The ( inaccurate, incomplete, and/or inaccurate and incomplete ) information that they are reporting is harming me personally, emotionally, and financially, and causing me damage. I look forward to your response to this matter.
Consumer complaint received 2022-06-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (CA)

I was charged XXXX by a hotel I did not stay at. When I found out I contacted the hotel who said to report it to my card company which I did.. the merchant does not dispute a chargeback yet amex serve has yet to refund my money. They say 45 days but I get a different answer each time I call. They told me so many different answers I don't believe a word they say. They already did a charback over a week ago but won't credit my account because '' we are still investigating '' I don't think it's legal to hold my money this long especially after they already got it back from the merchant over a week ago
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma (IL)

I have a XXXX XXXX XXXX XXXX  and now only have a credit karma spend account. Im closing it asap if I can get my money. I transferred money, which they take XXXX XXXX to transfer. That. Is not my complaint as much as I had about XXXX XXXX  or less in credit karmas account. I was trying to make a transaction on a completely unrelated account being XXXX XXXX  and I kept getting an insufficient fund from credit karma. I had plenty of money available on the credit card. as soon as I put my XXXX XXXX  information I would get a non sufficient funds transaction. From credit karma. During the transaction that I could not make these were several transaction, in which are not related in any way to credit karma and credit karma would send me a message telling Im denied using my XXXX XXXX XXXX How are linked up to all my unrelated third party accounts? They should not be but somehow stole my information off my unrelated accounts as they are arrogant in the way they believe they can do whatever they want when ever they want. This has crossed a very big line in privacy breach. I believe there is a scam and committed fraud which has caused problems with my XXXX XXXX XXXX  Theyve done nothing and I cant wait because Im afraid they will start accessing all my accounts. I cant even use my credit cards or trust that they wont empty out my finances so I have to keep my cards locked for fear that theyre stealing unrelated information and sending me messages to tell me they can. I want this stopped. I have XXXX XXXX  and a some change in credit karma which Im payin* a couple then transfer ing the rest right back to my other account. I can not wait weeks to close this account. I need them to stop stealing my account information and I want justice. They should not be allowed to steal information that causes their customers to lose sleep, money, and time. I probably wont even be able to get the money out with out problems. They decide when I can use my account. Now they have taken over to the point they are not letting me use other accounts that have nothing at all what so ever to do with. They should not have XXXX XXXX XXXX info at all why do they have it? This is a very dishonest company whose the worst company Ive ever dealt with on ethics and honesty. Their are people who commit fraud. This company has committed fraud against me and I dont even know what to do or if Im allowed to use my credit cards with out their permission. They are linked up to XXXX XXXX XXXX and Ive never ever linked them.
Consumer complaint received 2022-06-24
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. (MI)

in accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX, XXXX XXXX XXXX, XXXX 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 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The problem is regarding to my credit score. on XX/XX/2022 my credit score was XXXX and on XX/XX/2022 my score decrease by XXXX points to XXXX there is no change on report, 0 % debt on my credit cards, no delinquency, only 1 inquiry in last 2 years and everything else is in a good standing. I talked with XXXX They have no answer for me and they can not solve my problem and I even spoke with FICO they can not do anything either. Please help me to solve this matter. 
This is my official statement for file a complaint against credit bureau, in this case, XXXX.
Consumer complaint received 2023-02-07
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required XXXX-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 

Any other action ( or inaction ) on your behalf will result in a small claims action against your company. 

I will be seeking {$5000.00} in damages for the following : XXXX. Defamation XXXX. Negligent Enablement of Identity Fraud XXXX. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 


P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consumer complaint received 2022-06-24
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)

Good morning! 

In accordance with the Fair Credit Reporting Act XXXX  XXXX  Account # XXXX, has violated my consumer rights. please help 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.