davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Finance Company, LLC (FL)

In XX/XX/2021, I was notified by XXXX XXXX of new account in collections. Prior to that, I had none. The debt of {$830.00} says it was opened in XX/XX/2021 and the original creditor was Continental Finance Company. I disputed the charge and they said, it's legit. 

Here 's the issue, I have no clue what the XXXX this is for, received no communication and even after the dispute, none of this has changed. I only have 3 credit cards, I think the oldest is 4 years old. 2 are with XXXX XXXX and 1 is with XXXX XXXX XXXX XXXX. So, if this is mine, not only did they break the law below, I still have no idea where this came from, when it really happened and why it's in collections when there were no late payments for any credit card servicer in the past 4+ years. 

The Fair Credit Reporting Act excludes from Consumer Reports, accounts placed for collection or charged to profit or loss whose delinquency date predates the consumer report by more than seven years. The seven year period begins upon the expiration of a 180 day period beginning on the date of delinquency of the account. The date of delinquency then, determines how long the consumer debt can be reported on a consumers credit report. The date of delinquency occurs on the date when the first payment is missed regardless of how long after the delinquency the creditor charges off the account to profit or loss or places the account with a collection agency. The date of delinquency remains fixed until the account balance is paid in full. This date of delinquency therefore, remains even when the debt is placed with a collection agency, assigned or sold. Neither the Charged Off date nor the date when the account is placed with a collection agency can be used as the date of delinquency on an account.
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

America First Credit Union is reporting a late on my credit file for XX/XX/21 and I was never late. I make my payments on time but my payments are due on the XXXX every month. I made my payment on the XXXX and I was told that my payment was confirmed and the funds were taken out of my account however, they are marking it as late because the bank didn't post it for another 3 days? This is not my fault, my payment was made on time on my due date.
Consumer complaint received 2021-08-09
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: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : PORTFOLIO Account Number : XXXX-XXXX**** XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-08-09
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 — Problem with personal statement of dispute
Company: CNG FINANCIAL CORPORATION (CA)

Check n go has conflicting dates as to when this account was opened one date is XX/XX/2018, according to my XXXX  credit report. And it reports XX/XX/2018, according to XXXX. This debt collector has re-aging inaccuracies the date of the first delinquency on a cunsumers account to a later date and duplicate reporting, particularly following transfers ect
Consumer complaint received 2022-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (LA)

In accordance with Fair Credit Reporting act Santander Consumer USA 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 2022-06-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXXXX/XX/2022 have been paid in full its refused to be removed off my credit report. XXXX XXXX $ XX/XX/2022 I have not used XXXX services. XXXX XXXX XXXXXXXX $ also needs to be disputed I did not use these servicesXXXX XXXX XXXX is saying I owe XXXX $ someone was using my services after I moved out the property.
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I wrote a letter to kohls because I had found out that there was a drop in my credit score for a 30 day late! I was upset and went over my bills and remembered that kohls had taken out three payments due to a glitch while paying on line! I called Kohls immediately once I saw the three payments that were taken and asked for two of them to be reversed which I have proof that they were! They kept one for payment which I also can prove. I called them back when I found out that the 30 day late was reported and was given a address to send a goodwill letter too which I sent! They sent me back a letter on XX/XX/XXXX stating that they will not remove it! I have had this card since XXXX and have never been late! I am upset that they placed inaccurate info on my credit report and are claiming it was not! They are worried regarding judgment from the credit reporting companies and not concerned that they acted hastily and reported inaccurate information! Please look into this as I can prove that it was paid! Thank you XXXX XXXX
Consumer complaint received 2022-06-12
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)

In accordance with the Fair Credit Reporting Act the following accounts violated my rights : U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED / XXXX XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX US DEPT OF EDUCATION XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF ED/XXXX  XXXX XXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/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. Thanks!
Consumer complaint received 2023-05-31
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. (OH)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance XXXX {$160.00}, Medical XXXX Balance : {$770.00}, Medical XXXX Balance : {$770.00}
Consumer complaint received 2021-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

By the provisions of the Fair Credit Reporting Act, I demand that these items be removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days which was not done. 

A certified letter, receipt number : XXXX XXXX XXXX XXXX XXXX was received by your company on XX/XX/XXXX. This is to formally advise you that your company has violated several of my consumer rights. 

Specifically : You failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 

Not only have you ignored my prior requests for validation of debt but you continue to report this debt causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following : Validation of Debt Request -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

My initial dispute was detailed which included and directly related to the account in question. I also sent an " Affidavit of Truth '' which was not rebutted with an Affidavit from your organization which according to the law you have also defaulted on. Morris v National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 " uncontested allegations in the affidavit must be accepted as true ''. 

I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Consumer complaint received 2023-10-03
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: Experian Information Solutions Inc. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$2900.00}
Consumer complaint received 2023-01-16
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non-complying with the FCRA. Please correct the items from my file immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-08-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I XXXX, XXXX the consumer would like for you Transunion under the FCRA 15 US CODE 1681a which states that you should be reporting with fairness and accuracy. Transunion has responded to my last two complaints saying they need future authorize to dispute this alleged debt on my consumer credit report. I've sent all the required documents in the attachment below. You are violating my consumer right by not accepting my disputes and not excluding any consumer credit transaction from my consumer report which is pursuant 15 US Code 1681a ( d ) ( 2 ) ( a ) ( i ), 15 US Code 1681a ( d ) ( 2 ) ( a ) ( ii ), 15 US Code 1681a ( d ) ( 2 ) ( a ) ( iii ). You dont have any permissible purpose to furnish my consumer report pursuant to 15 US Code 1681b.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$8000.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX  Balance : {$920.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX  Balance : {$3000.00} XXXX  XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX & XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX
Consumer complaint received 2021-08-09
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery has violated the cease and desist notice sent to them On XX/XX/2021 by I. Portfolio Recovery has sent me letters during this 30 day investigation period after asking them to NOT communicate with me. Portfolio Recovery has also been sent a notice of default XXXX XX/XX/XXXX, XXXX and signed upon delivery, I have attached notice of delivery and cease and desist letter to this complaint.
Consumer complaint received 2022-06-12
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. (GA)

In accordance with the Fair Credit Reporting Act 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 Section 2, Also states that a consumer reporting agency can not furnish an account without my instructions.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-06-12
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (FL)

The XXXX XXXX  collection agency is sending me a letter concerning an alleged debt. The alleged debt is past the Statute of Limitations for legal action and credit reporting. Therefore, the business can cease and desist all communication efforts. Nor, should the business attempt to forward this to another company in the business. You can also notify your client not to forward to any other XXXX XXXX collection agencies.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2021-08-09
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: STERLING JEWELERS, INC. (CA)

So many issues with this account I have been in touch with Jared with whom refers me to XXXX XXXX and XXXX with whom refers me to Jared. My account was enrolled in Covid 19 payment protection for XXXX and XX/XX/XXXX additionally the account was closed and I was passed around from department to department with zero answers then I was advised a change in credit profile during a world pandemic the only changes in question were a result of similar arrangements with other creditors most of which in writing and since corrected due to backlog yet XXXX refused to reopen and fix. I already had an active dispute as sole reason for getting the card was the manager telling me about 0 interest period yet they billed me interest non-stop Then last year in response to Consumer protection inquiry because they breached their covid 19 arrangement with me they fixed all was well until XXXX XX/XX/XXXX now they readded when I again followed up about the interest period. I have this in writing and verbal on a recorded line that this was both agreed to and then subsequently corrected yet now I am dealing with it all over again if they are not corrected I will have to explore all legal remedies.
Consumer complaint received 2021-08-03
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: WAKEFIELD & ASSOCIATES, INC. (OH)

Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission toto XXXX XXXX XXXXXXXX # XXXX, WAKEFIELD & ASSOCIATES I # XXXX, XXXX XXXX XXXXXXXX XXXX to release my medical information to a third-party. I am aware that HIPPA does allow for limited information about me but anything more than toto XXXXXXXX XXXX XXXXXXXX # XXXX, WAKEFIELD & ASSOCIATES I # XXXX, XXXX XXXX XXXX XXXX is to only be revealed with the patients 'authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.
Consumer complaint received 2021-08-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

Got a letter from Chase saying the closed my checking account without explanation. I have had this account for several years and have had any issues. Never had an overdraft or any other issue. Called them and was told they did not have to give a reason.