davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTECH DIVERSIFIED, INC. (CO)

I reached out to Collectech Diversified on XX/XX/XXXX in regards to account XXXX. I attached the letter I sent certified. I also attached their response I received on XX/XX/XXXX which was only the name of the original creditor and alleged dates of service and amount owed. 




FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Collectech Diversified has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2022-07-08
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. (GA)

US DEPT OF EDXXXX ACCOUNT XXXX XXXX EXPERIAN XXXX The above creditor and Credit Reporting Bureaus are in direct violation of my consumer rights.

The creditor and credit reporting bureaus is violating the CARES Act, signed into law on XX/XX/2020 and is reporting debt and debt balance on my credit profile. 

Creditor is reporting interest charges on debt. - This violates the CARES Act in which no interest on loan, default, or deferred may be added to original loan. 

Experian and XXXX is violation of FCRA Fair Credit Reporting Act 15 US Code 1681 and did NOT VERIFY disputes sent on XX/XX/2020 or UPDATE my Credit Report. ( Negligenct and Willful Noncompliance with the law ) and 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. I did not authorize creditor nor Credit Reporting agency written permission to report my personal information.
Consumer complaint received 2022-07-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (CA)

First of all they asked me for a {$100.00} fee then they got all my information from me and they deposited money in my account and then they wanted me to go and get pre paid cards so I can raise my credit score. Well never had a personal loan before I went and got the cards. Well in the meantime this person told me he will put in XXXX $ in my account and then I had to repay him with the cards. So my bank account got closed because they seen funny stuff going on. So I told the gentleman that I had to call the bank and he told me not to say anything about a loan or anything. Witch I was surprised to hear. So I told my bank a story and the loan people were on the other side listing to the conversation I was having with my bank and he would text me things to say. So now I owe my bank XXXX $ witch I dont have and one more check they deposited for 2000 $ so I am now trying to get my self out of trouble for fraud.
Consumer complaint received 2021-10-03
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Professional Claims Bureau, Inc. (TX)

A company called " Professional Claims Bureau , Inc. '' located in XXXX NY, sent mail to my address in texas ( which i have no idea how they even got this address ) claiming to have tried contacting me about a debt that ive never seen any documentation on. They provided no information on this debt as a baiting tactic, then in the letters they sent, they use manipulation tactics to try and guilt you into paying them ( they also sent 4 letters, with random dates on each one ). They also put language in there saying " if you dont respond or pay within 10 days we are assuming you have no intention of settling this ''. First off, the letter came 11 days later, because they mailed it via USPS standard mail to my texas address... so threatening to make assumptions about if i respond, is not ok. Secondly, they didnt bother to provide ANY information on what kind of debt this is, no itemized pricing... nothing. It could be a billing error for all i know. Third, im not going to be intimidated or manipulated into paying some out of state collection agency 4 bills, just because they use intimidation and manipulation tactics. This really shouldnt be allowed at all. I do not live in new york. And the fact that they somehow have my address in texas, irritates me because i have no idea who these people are. I would like them to stop pulling personal information on me.
Consumer complaint received 2021-12-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, Transunion and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions XXXX regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Consumer complaint received 2022-07-08
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: Experian Information Solutions Inc. (MO)

i had excellent credit fico  XXXX i changed my due dates, that is aok to do! 
credit agencies dropped my score XXXX points the account is paid as agreed the balance rode an extra week because due date change you mess wimy insurance rates. 
the agency is fraudulent with your report that my credit worthiness dropped. FIX IT
Consumer complaint received 2022-02-18
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. (NY)

Please be advised after careful review of my consumer report I have come across the following items on my consumer report. 
XXXX XXXX Account # XXXX This account is currently reported as charged-off. 
This account exceeds the XXXX dollar threshold, I was never sent a 1099c which is a CANCELATION OF DEBT which this account qualifies as realized earned income, which means the status of this account has changed. Furthermore with this account now being considered income this account no longer falls within the guidelines on the FCRA as debt and now must be removed from all credit reports in compliance with 15 U.S. Code 1681e - Compliance procedures, ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Delete This account IMMEDIATELY Failure to respond satisfactorily with the above late payments deleted from these referenced accounts and send out a free copy of my report after said changes have been made will result in legal actions taken against your company, for which I will be seeking {$1000.00} for each violation for : Defamation of character ( per se ) Negligible enablement of Identity fraud Fair debt collection practices act 15 U.S. Code 1692g violations fair credit reporting act 15 U.S. Code 1681 violations for willful noncompliance 616 civil liability for willful noncompliance 15 U.S. Code 1681n Signed XXXX XXXX XXXX
Consumer complaint received 2022-11-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I submitted my disputes XX/XX/22 and I didn't receive any correspondences from the bureaus and nothing changed. it has been way past the allotted investigation timeframe.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

This is re-aging which is illegal.I disputed these account XX/XX/XXXX and on XX/XX/XXXX and multiple dates in XX/XX/XXXX because they updated the information which is still incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. MN XXXX ( XXXX ) XXXX DATE OPENED XXXX XXXX. XXXX DATE REOPENED XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. MI XXXX ( XXXX ) XXXX DATE OPENED XXXX XXXX. XXXX DATE REOPENED XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX DATE OPENED XX/XX/XXXX DATE REOPENED XXXX XXXX. XXXX
Consumer complaint received 2022-02-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harpeth Financial Services, LLC (GA)

Upon pulling my credit report on XXXX XXXX I was surprised to see an entry from a company that I have never heard or done business with. I have not received any communication regarding this alleged debt and I have no idea where it came from. I am a victim of identity theft and I believe that this alleged owed debt may be due to that.
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (PA)

I have two cards with Comenity Bank. I haven't been able to log onto their websites to pay my bill for over 2 weeks. I have tried using the automated voice system to make payments as per Comenity 's instructions and that method doesn't work either. What's worse is Comenity has ghosted millions of customers and they will not provide answers to what is going on. I'm fearful that they have been hacked and that the personal information of millions of customers including back account information has been hacked.
Consumer complaint received 2022-05-01
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: Experian Information Solutions Inc. (NC)

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

15 USC 1681 section 602 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat any payment on a credit card account under a open end consumer credit plan as late for any purpose
Consumer complaint received 2021-10-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My name is XXXX XXXX and my consumer ID number is XXXX, I had a bank of America account that was close XX/XX/2018. my information was reported to XXXX XXXX and now its effecting my ability to obtain other accounts from other business institutions. 
I have contacted Bank of America several times just to fine a solution and move forward, and I can't seem to be getting anywhere, because according to BOA customer rep, they can't give me any information over the phone that i should contact check system. when i did contacted XXXX XXXX, they didn't seem to have any information for me either. so at this point am confuse as to what will be the reason BOA will report anything to XXXX XXXX. 
All am asking of BANK of AMERICA, is to please Let me know what the real issue is so i can fix it and move on or remove what ever information they have on my credit report that is affecting my ability to do other business.
Consumer complaint received 2020-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am incredibly upset! My underlying reaction to the erroneous thing on my acknowledge report sent as expressed in a previous message on XXXX. Today is XXXX. Ordinarily by law, you should react inside 30 days. During these troublesome occasions, all of you have been given an augmentation which I comprehend. In any case, it has been well over the expansion period given. I have exhorted you on in excess of 3 unique events. I am beginning to accept this is a slow down strategy on you all 's end. I request your organization eliminate this mistake from my credit report or face suit. On the off chance that you don't eliminate this wrong data promptly I will document a formal complete with the FEDERAL TRADE COMMISSION! I am staying aware of the entirety of my records and types of correspondence with you on this issue just if there should be an occurrence of documenting a grievance with the FTC on the off chance that you keep on choosing not to collaborate. In XXXX  v. Trans Union XXXX., XXXX XXXX ( XXXX.XX/XX/XXXX ), you will be considered answerable for your choice not to not agree. My family and I are being compelled to pay higher loan fees and denied by numerous organizations when attempting to buy essential necessities to get by during this troublesome monetary period. In the event that your next reaction to me isn't a unique application with my mark on it or a letter expressing that the deceptive data that is disregarding the Fair Credit Reporting Act isn't erased I will proceed with my FTC grievance. As shown by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by government law to affirm, through the real check of the principal stamped purchaser contract, all records that you post on a credit report. Else anyone paying for your itemizing organizations could fax, mail, or email in a bogus record. I interest to see clear proof ( i.e. : a unique purchaser contract with my mark on it ) that you have on the report for the record recorded underneath. 

Your failure to quite check these records has hurt my ability to obtain credit. Under the FCRA, wrong and mysterious data must be erased from a consumer 's credit report.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions.
Consumer complaint received 2022-11-19
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. (WI)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XX/XX/XXXX I made a purchase using my Capital One credit card. The package was delivered on XX/XX/2022 and stolen from the mail room of my residence. I contacted Capital One to dispute the charge as I never received it and a temporary adjustment was made. Without my knowledge they rebilled my account for the item amount. I never received the item and now I am on the hook for a purchase I never received and was stolen.
Consumer complaint received 2022-10-10
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 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. (PA)

16 CFR PART 313- Privacy of consumer financial information 313.4 initial privacy notice to consumer required a You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section. ( 2 ) you have given the consumer a reasonable opportunity, before you disclose the information to the nonaffiliated third party, to opt out of the disclosure
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

Our credit card was used fraudulently to make charges at over 3 stores totaling over {$14000.00}. Though we have disputed the charges twice and spoken to their fraud department on several occasions, Chase is failing to clear the transactions. On XX/XX/2021, our card was used at XXXX  Store # XXXX in the amount of {$1200.00} ; XXXX XXXXXXXX XXXX XXXX in the amount of {$4100.00} ; XXXX XXXX # XXXX in the amount of {$9000.00} ; and others. We have since filed a Fraud Report with the FTC and a crime report with the XXXX Police Department. 

These 3 charges were made on the day of XX/XX/XXXX prior to around XXXX at which time we received a text message about possible fraudulent activity at XXXX XXXX XXXX in the amount of {$2900.00}. We replied " NO '' to the text that this was in fact not us using the card at which time the card was canceled. 

It was not until we received our statement that we found the additional charges mentioned above. Chase failed to notify us of the extremely large charges made prior to this. Chase has not been responsive in assisting us with our claim of unauthorized transactions.
Consumer complaint received 2020-11-20
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: National Credit Systems,Inc. (PA)

I recently challenged the validity of NATIONAL CREDIT SYSTEM ( Original Creditor : XXXX XXXX XXXX ) - XXXX ( Collection ) account, XXXXXX/XX/XXXX, XXXX XXXX Original Creditor : XXXX ) - XXXX ( Collection ) account and XX/XX/XXXXXXXX XXXX Original Creditor : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX ( Collection ) account that are being reported on my most recent credit report. Upon challenging this, XX/XX/XXXX ( credit bureau ) deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with your company you have verified this same account.
Consumer complaint received 2022-07-02
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-11-20
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I recently challenged the validity of XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX ( Collection ) account, XXXX XXXX XXXX ( Original Creditor : XXXX ) - XXXX ( Collection ) account and PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX ( Collection ) account that are being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with your company you have verified this same account.