davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC (FL)

On XX/XX/2018 when i pulled my credit reports, i noticed a collection account from Security Credit Services was on my credit report from all 3 credit bureaus, XXXX, XXXX, and XXXX. reporting an amount : { {$750.00} } owed. I do not recall this company. My account is on alert for fraud, and this may be another one of them. I didn't receive a 30 day notice, and I was not aware of this debt. Security Credit Services never sent a letter to me allowing me to dispute the debt in  question. In addition, this account was placed on my credit reports past the statue of limitations, per information on my credit reports. I have disputed this account with the collections bureau only to have it on my credit report as verified.On XX/XX/2018, I sent a debt validation request to security credit services. I requested security credit services to provide me with information regarding how they got my account, and if I authorized them to this account, contract, date it was open, closed, amount due, etc. I did not receive any response. The account was then marked as verified with all three credit bureaus. I then sent a second debt validation request on XX/XX/2018 to security credit services, and have yet to receive any information regarding this account While they are not required under federal law to respond, if they don't respond with proper validation then they are required to cease all collection activity. Again, I have not receive a clarification on this debt. I have recently pulled my credit report to only see this same account listed, and updated. I have attempted several times in writing to communicate with the company and ask them to furnish my signature proving I owe the debt. I have gotten no response from this company to show validity of this debt. I have waited over 60 days with no repsonse. I do not recall this company and requested that I receive a signed contract bearing my signature with Security Credit Service. I am requesting the creditor to remove this account from my credit reports ASAP
Consumer complaint received 2022-09-12
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: EQUIFAX, INC. (NJ)

I HAVE REACHED OUT TO EQUIFAX FOR HALF OF A YEAR AND THEY KEEP GIVING ME THE RUN AROUND. XXXX HAS REPORTED XXXX INACCURATE ACCOUNTS TO EQUIFAX. THOSE ACCOUNTS ARE XXXX  : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX EQUIFAX HAS TOLD ME THAT XXXX HAS OPTED IN TO REPORT MY INFORMATION BUT XXXX HAS NEVER GIVEN ME THE OPPORTUNITY TO OPT OUT! 

Information pertaining to student loan accounts EDFINANCIAL : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX are to be excluded from my consumer report. 15 U.SC. 1681 ( a ) ( 2 ) 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; The term financial institution as outlined in 15 U.S. Code 6809- ( 3 ) Financial institution ( A ) In general The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12. 15 U.S.C 1681a ( ii ) ; states a consumer reports does not include any report containing information solely as to transactions or experiences between consumer and the person making the report. Consumer reports are also not to include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card. XXXX HAD DISCLOSED MY BALANCES TO EQUIFAX AS WELL. If EQUIFAX OR these items from my reports ARENT DELETED FROM MY CREDIT PROFILE effective immediately then I will sue them in civil & FEDERAL COURT and go for monetary damages. I have all of my documentation to prove how many times I've disputed this with the bureaus including copies of complaints filed with the CFPB, that I've tried to resolve this issue yet no one seems to understand the disputes clearly spelled out other than me. Remove all of the outdated accounts now or risk being sued.
Consumer complaint received 2023-12-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC. (MD)

The Optum Bank Healthcare Reimbursement Account system, https : //www.optumbank.com/, randomly but frequently generates a XXXX XXXX XXXX ( XXXX  ) resolution error while customers are entering reimbursement request data. This problem started around XX/XX/2023. It is impacting many and perhaps all end users of the Optum Bank system. ( I am the administrator of a XXXX XXXX in which over XXXX XXXX retirees who are locked into the Optum Bank XXXX system share information about Optum and XXXX so I know that the problem affects most and probably all users. ) This error makes it tedious and cumbersome to enter reimbursement requests. The system is awkward to use under the best of conditions, but due to this programming error, users must often reenter reimbursement requests. 

I have reported this problem to Optum Bank I/T manager XXXX XXXX XXXX XXXX, in XX/XX/. He promised to follow up but the problem still exists. I called XXXX XXXX several times in XX/XX/XXXX  to attempt to follow up with him, but he has not answered his phone or returned my voicemail messages. 

I have also left messages for the CEO of Optum Bank, XXXX XXXX, XXXX, about this problem. He has not returned my calls and none of his aides have returned my calls. 

I am a retired XXXX software developer, internet engineer and technology expert with over 40 years experience. The XXXX  error clearly indicates that there is a programming error or resource ( memory or CPU sufficiency ) problem in the Optum Bank system. A competent person at Optum Bank should be able to pinpoint the cause of the problem in under and hour and fix it promptly. It is clear that Optum Bank has pushed this problem to the wayside instead of properly addressing it. 

Furthermore, not only is this problem annoying to users, but it also introduces sign on authentication risks ( security problems ) that are too complex to explain in this complaint. I will explain the security issues if a competent Optum Bank representative contacts me. Please note that I must be able to understand the rep, so he/she must speak and understand US English.
Consumer complaint received 2023-03-09
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: Self Financial Inc. (TN)

I contacted this company for validation of the debt that they have inaccurately reported to my credit profile. I have found *several* contradicting information on my report that further prove my suspicion of this account being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation differing across the three credit bureaus and a FTC identity theft report. I kindly request this item to be removed completely, never to be added back again. I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially.

There are two seperate accounts from this company reporting fraudulent and inconsistent information to report. 
The history for XXXX is missing -- COMPLETELY The history for XXXX and XXXX has gaps in payment history.

None of the information is consistent across the three credit bureaus.

Again, this is a very clear-cut violation of the Fair Credit Reporting Act. This company does NOT care about reporting accurate information -- nor do they care about customer complaints when said customer is a victim of identity theft. I need something done about this immediately!
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

After reviewing my credit report again, I discovered additional fraudulent accounts that I did not authorize. I have already reported the initial fraud to the Federal Trade Commission, but these new fraudulent items are still on my report and pose a risk of further unauthorized activity.
Consumer complaint received 2023-11-25
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: EQUIFAX, INC. (NY)

There are items on my credit report fraudulently that is harmful to my full faith in credit, There are no liens against any variation of my name in the state of New York and I have it certified. So how then are these imposters allowed to report fraud against my name for other corporations to make determination thats is violations of my rights.
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. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2021-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2023-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The XXXX account Transunion account # XXXX, XXXX account # XXXX, and XXXX account # XXXX has violated my rights. Under 15 USC 6802 ( b ) ( 1 ) ( b ) " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; '' I was never given an opportunity to opt out of my nonpublic information that this financial institution had of mine to be shared to any third party entities before my debt was given to a third party organization.
Consumer complaint received 2019-04-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (LA)

I get repeated, constant phone calls, sometimes listed as an " Unknown Caller or Unknown '' in order to prevent the calls from being blocked by me ... ..I want these calls to STOP IMMEDIATELY! This is harassment and I want these calls to me stopped! Thank you.
Consumer complaint received 2023-05-17
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 (TX)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of Errors A person shall not furnish information relating to a consumer to any consumer reporting agency if - ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2023-11-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc. (MD)

Self Financial Re : Identity Theft Dispute - Consumer Financial Protection Bureau Complaint Case # XXXX Dear Self Financial Team, I am writing in response to your letter dated XX/XX/2023, regarding the identity theft complaint I filed through the Consumer Financial Protection Bureau XXXX CFPB ), Case # XXXX. I appreciate your prompt attention to this matter, but I must express my dissatisfaction with the outcome of your investigation and the continued reporting of fraudulent accounts on my credit report. 

I maintain my position that I am a victim of identity theft, and your assertion that the XXXX XXXX Account and Self secured credit card were opened by me is inaccurate. I have provided ample evidence to support my claim, including a police report, a Federal Trade Commission ( FTC ) affidavit, proof of my identity, and evidence demonstrating that I am not associated with the address on file. 

In light of the information provided, I must assert that Self Lender is in violation of my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA outlines specific obligations that creditors must adhere to when reporting information to credit bureaus. Among these are the requirements to investigate disputes and correct inaccurate information. By continuing to report these fraudulent accounts despite my evidence, Self Lender is in direct violation of the FCRA. 

Furthermore, the following laws are relevant to this matter, and I expect your company to comply fully : XXXX. **Fair Credit Reporting Act ( FCRA ) ** - 15 U.S.C. 1681 et seq. 
XXXX. **Fair Debt Collection Practices Act ( FDCPA ) ** - 15 U.S.C. 1692 et seq. 
XXXX. **Identity Theft and Assumption Deterrence Act** - 18 U.S.C. 1028 XXXX  **Privacy Act** - 5 U.S.C. 552a XXXX. **Electronic Fund Transfer Act ( EFTA ) ** - 15 U.S.C. 1693 et seq.

I demand that Self Lender take immediate action to remove the fraudulent accounts from my credit report and cease any collection activity related to these accounts. I expect full compliance with the FCRA and other relevant laws within 5 business days from the date of this letter. Failure to do so will leave me with no choice but to pursue legal action against Self Lender for the violation of my rights under these laws. 

Enclosed with this letter, you will find copies of the police report, FTC affidavit, proof of identity, and evidence of my non-association with the reported address. I urge you to review this evidence carefully and rectify this situation promptly. 

I trust that you will treat this matter with the seriousness it deserves. I anticipate a swift resolution to avoid any further legal action. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (OH)

I received a letter from National Credit Adjusters stating I owe money to. XXXX XXXX. 

I never took out a loan in XXXX. The company does not have the location of the loan just the date of XX/XX/2018. 

I would like to dispute this information as it may be identity theft. 

This information does not show up on my credit report. 

National Credit Adjusters reference number XXXX
Consumer complaint received 2023-08-22
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Westcreek Financial (FL)

On XX/XX/XXXX I signed a lease agreement with the Koalafi also know as XXXX XXXX XXXX to lease furniture from a store name Furniture Direct. As I was signing the agreement the XXXX XXXX for XXXX direct informed me that my first payment will be due 10 days after the delivery. My delivery date was scheduled for XX/XX/XXXX. On XX/XX/XXXX, Koalafi drafted {$260.00} out of my checking account. I immediately called them to and requested to have the contact terminated as they prematurely billed and I did not receive my furniture yet. In the lease agreement, it states I can call Koalafi and cancel my account anytime without penalty. They told it would take XXXX business days for the customer advocate to reach out to me to file a claim. On XX/XX/XXXX I spoke with a customer advocate name XXXX. He advised he will need to conduct a investigation with XXXX XXXX and will follow up with me after the investigation is conducted. Well, XXXX denied my claim because the furniture store provided a copy of the invoice as proof of delivery. I did not receive the furniture. The authorize XXXX party delivery company XXXX XXXX XXXX has possession of the furniture because I refused delivery. Neither of these companies want to honor the lease agreement to terminate the my contract and wants to continue to bill for me merchandise I did not receive. I have attempted to terminate the contract with the Koalafi and XXXX XXXX and they are refusing to refund me the money that was drafted from my bank account and keeping me binded to a contract, so now I am responsible from items that are not in my possession and this transaction is going to end up on my credit report because they I am not going to pay for furniture that I do not have.
Consumer complaint received 2023-11-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BARCLAYS BANK DELAWARE (AZ)

Re ; XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. 
XXXX XXXX XXXX  thru XXXX XXXX  Acct : ending in XXXX for {$3400.00} XXXX XXXX File Number : XXXX Debt to XXXX XXXX  discharged on XXXX. 
XXXX - debt collection call from XXXX XXXX at XXXX XXXX. 
XXXX - Response by Executor, XXXX XXXX, to XXXX XXXX uncured debt dismissed. 
under XXXX XXXX, Sec 727, of Title 11. 
XXXX - XXXX XXXX XXXX assumes debt collection after discharge. 
Monthly collection statements continue from XXXXXXXX  to date. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ). 
Monthly collection statements continue from XXXX to date. 
XXXX XXXX passes away from XXXX  XXXX. 
XXXX I received a collection call from XXXX. 
Monthly collection statements continue from XXXXXXXX  to date. 
Cease and Desist Order sent by me as Executor of the XXXX.
Consumer complaint received 2018-12-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have provided the Credit Reporting Companies with the proper documentation to remove items from my XXXX, TransUnion and XXXX  XXXX Reports. I have sent them several letters regarding this issue and they continue to ignore my correspondence and take the appropriate action regarding XXXX XXXX XXXX XXXX. I have requested validation of this account. The have continued to provide me with copies of statements and will not provide me with anything being my signature to validate the debt. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.