davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-30
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. (CA)

On XX/XX/XXXX I submitted the Compliance Challenge for metro 2 to experian as you'll see in the below pdf. 

They never responded to the letter of challenge for the negative items and its now XX/XX/XXXX XXXX OVER 56 days ) VIOLATION # 1 they fail to respond to your written disputes within 30 days ( a 15 day extension may be granted if they receive information from the creditor within the first 30 days ). 
Consumer protection afforded by the FCRA FCRA Section 611 Part ( A ) ( 1 ) They never removed the accounts after being shown the inaccuracies with there reporting from the below either. 

VIOLATION # 2 Credit bureaus, if they refuse to correct information after being provided proof of inaccuracy. 
Defamation, willful injury FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the XXXX XXXX XXXX Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( XXXX No. XXXX XXXX ). 
Extent of damages incurred by the wronged party, as deemed by the courts. 


These are VIOLATIONS and they HAVE TO PAY NOW. I've attached the images of the disputes that were initiated in the time frame. They never even initiated a dispute and they never even responded. They also never removed any of the information after being sent the proof of inaccuracies.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In my previous complaint, I reported a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). Despite filing the complaint, I did not receive any documentation or evidence from the company involved. The company in question communicated with me in a manner that I believe is in direct violation of 15 USC 1692c, which restricts the manner and means by which debt collectors may contact consumers.

I took action by formally requesting the removal of the associated collection account from my credit report due to this violation. However, to date, no response or corrective action has been taken by the company, and the collection account remains on my credit report. 

I am requesting that the company provide the necessary documentation or evidence related to this matter and immediately remove the collection account from my credit report. The lack of response and resolution is deeply concerning, and I seek prompt action to rectify this issue.
Consumer complaint received 2022-06-10
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. (AL)

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. 
1. XXXX XXXX  acct # XXXX, has violated my rights XXXX. XXXX XXXX acct # XXXX, has violated my rights XXXX. XXXX XXXX XXXX acct # XXXX, has violated my rights XXXX. XXXX XXXX XXXX  acct # XXXX, has violated my rights XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX, has violated my rights [ Inquiries ] XXXX XXXX XXXX XXXX XXXX, has violated my rights XXXX. XXXX XXXX ( XXXX XXXX ), has violated my rights XXXX. XXXX XXXX, has violated my rights XXXX. XXXX XXXX XXXX XXXX, has violated my rights XXXX. XXXX, has violated my rights XXXX. XXXX XXXX XXXX, has violated my rights XXXX. XXXX XXXX, has violated my rights XXXX. XXXX XXXX XXXX, has violated my rights XXXX. XXXX XXXX, has violated my rights XXXX. XXXX XXXX XXXX, has violated my rights XXXX XXXX has violated my rights XXXX. XXXX XXXX XXXX XXXX, has violated my rights XXXX. XXXX XXXX, has violated my rights XXXX. XXXX XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX, has violated my rights XXXX. XXXX, has violated my rights XXXX. XXXX, has violated my rights XXXX. XXXX, has violated my rights XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights XXXX. XXXX XXXX, has violated my rights 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 ASection 2 : 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 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.

Last four of SOCIAL SECURITY # XXXX  IT WOULDN'T LET ME PUT IT IM THE REQUIRED FIELD, AND THIS WAS THE ONLY PLACE.
Consumer complaint received 2021-04-15
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: CREDIT ACCEPTANCE CORPORATION (TX)

This is a formal complaint against Office Of The Attorney General located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Office Of The Attorney General has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2022-12-07
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: SG and Associates (IN)

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 a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2022-06-10
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. (LA)

In accordance with the Fair Credit Reporting Act, Account # XXXX XXXX XXXX XXXX  ), Account # XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX ), Account # XXXX ( XXXX XXXX  ), Account # XXXX ( Dept of Education XXXX  ), Account # XXXX ( Dept of Education XXXX  ), Account # XXXX ( Dept of Education XXXX  ), Account # XXXX ( Dept of Education XXXX  ), Account # XXXX ( Dept of Education XXXX  ), Account # XXXX ( XXXX XXXX  ) Account # XXXX ( XXXX XXXX XXXX XXXXXXXX ), Account # XXXX ( XXXX XXXX XXXXXXXX ) have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

THERE HAS NOT BEEN ANY PROOF FROM THE FURNISHER THAT THESE COLLECTIONS BELONG ME TO. IF THERE IS, I NEED TO SEE THE PROOF IN WRITING.

Dept of Education XXXX does not have anything in writing with MY PERMISSION to anything on my credit report.
Consumer complaint received 2020-07-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (NV)

This collection is from XXXX. I originally canceled my phone account with them when I switched over to XXXX XXXX XXXX back in XX/XX/XXXX. I thought everything was good to go, but a few months later, I noticed reoccurring charges coming from XXXX, even though I was no longer using their service. I canceled my card so they would stop charging my card and I went into a XXXX store, talked to an employee and they told me that I had to call the customer service number because she could not help me in store. I called the customer service number, was waiting on hold, and on the phone with XXXX Customer Service for multiple hours. After explaining to them what was happening, I kept getting transferred to different people in different departments, and finally I asked if it was possible for them to use the charges from what they've charged me to pay off the phone that was on a lease. She said that she would look into it and have them call me back within 72 hours to tell me if that was possible, but a refund would be issued and my account would be canceled. They could see on their end that I hadn't used my phone accounts with them since XXXX so there should be no charges at all minus the payment of what the rest of the phone would be on the lease, which was still less than they were charging me, so I should have gotten money back. I didn't hear back from XXXX, so I assumed that it was taken care of and my account was canceled. This was back in XX/XX/XXXX. Since then, I have moved to a new address, and did not know they were still charging my account because I was no longer with the company. I recently ( today XX/XX/XXXX ) tried applying for a credit card since my score was a XXXX on XXXX XXXX, and showed 0 hard inquiries and 0 collections. It said my approval odds for the XXXX XXXX XXXX credit card were very good, so I applied and got denied. After this, I immediately called the reconsideration hotline to explain why I wanted the card and that I have great credit and I didn't understand why I didn't get approved. After looking at my full credit report, the agent said that I had a {$610.00} collection, and this was the reason I got denied for the credit card. When she told me this, I had NO idea that I had a collection because I have not received any calls from collection agencies nor any mail delivered to my home showing my collection amount. I had no idea where this collection came from. I made an account with XXXX  today, and I was able to see that the collection came from XXXX which is not what I owe. If anything, they owe me money for billing extra months.
Consumer complaint received 2021-04-09
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 (CA)

XX/XX/XXXX( {$45.00}, {$65.00}, {$45.00} )XX/XX/XXXX ( {$28.00} ) Capital one credit card I closed this credit card account back on XX/XX/XXXX because I filled a dispute against XXXX Airlines as they canceled my trip due to covid-19 travel restrictions, I filed a dispute and the basic cost of my Airline ticket has been credited back to my account, Capital one proceeded these charges ( onXX/XX/XXXX ) without investigation as well as they never sent me a mail letter to inform me, I found an email from them on XX/XX/XXXX showing that I have nonsense charges ( since I already got the dispute amount in full and this amount was an airline ticket plus extra seat fees ) Capital one charged me {$28.00} on the top of that as a past due charge, they just want me to pay moneyfor nothing.
Consumer complaint received 2021-09-14
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. (FL)

The 3 credit reporting agencies are reporting a bankruptcy. And will not release how they verified the results.I have a letter from the county house that states they do not relese any info to 3 rd party company's.And all of my search companies like lexes nexus is frozen.This is the 3rd time they have not followed the rights of the fair credit reporting act.And have violated my rights.Please help me have these accounts deleted thank you.
Consumer complaint received 2021-04-09
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: EQUIFAX, INC. (GA)

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit reports. To this day it has been 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my rights and disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 45-60 days due to covid gives a reason to immediately remove these items from my credit report it has been well over the required grace period so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted by the " EQUIFAX '' data breach and may have got into the hands of the wrong person my reports show social security numbers I have no knowledge of.
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was in an approved disaster mortgage forbearance with XXXX ( XXXX XXXX XXXX ) due to Hurricane Harvey from XXXX. I paid off the entire amount in full prior to the deadline of the forbearance in XXXX. When I checked my three credit reports in XXXX of this year, I noticed that all three were showing that I had been more than 180 days late on that account in XX/XX/, which was incorrect as I have never been late at all. Since then, I have called and emailed XXXX numerous times, submitted multiple disputes through the credit bureaus, spoken to XXXX XXXX, and now you all. The past several XXXX supervisors have acknowledged their error and told me that they would fix the issue to show " no data '' for that time period, but it never gets fixed. I just received yet another email from XXXX showing that the dispute has not changed anything yet again and it remains status quo. Their incorrect information is affecting my credit score negatively. Please help!
Consumer complaint received 2021-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN ADJUSTMENT BUREAU,INC. (CT)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX XXXXXXXX XXXX CT XXXX AMERICAN ADJUSTMENT BURE Last reported XX/XX/XXXX {$380.00} AMERICAN ADJUSTMENT Last reported XX/XX/XXXX {$150.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AMERICAN ADJUSTMENT BURE Last reported XX/XX/XXXX {$380.00} AMERICAN ADJUSTMENT Last reported XX/XX/XXXX {$150.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX XXXXXXXX, CT XXXX
Consumer complaint received 2021-09-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (UT)

I opened a Cryptocurrency Acct. with Coinbase.com back in XXXX. Since then I have steadily bought Bitcoin, ETC and Cardano. On XX/XX/XXXX I tried to log into my Acct using a strong pass word and 2FA. The codes would not work. Then I got an email from Coinbase that my 2FA had been changed. In the next few minutes I got about 5 emails showing various transactions that I did not do. The total amounts added up to about $ XXXX. That was the amount I had in my Acct. the previous night when I checked. I immediately shut down my acct. changed the PW on my email and the PW on my Coinbase Acct. I got an email from them asking me to take a picture of me holding up my ID and a piece of paper with the words " For Coinbase Verification '' and the date I was doing it. I did all that and even sent them a picture with my Pass Port. Since then I have called Coinbase every day and sent them emails. I get a standard email stating they have passed my case to a " Specialist '' and will " Escalate '' this case. No one ever gets back to me. I'm currently locked out of my Acct. and so dont know if my money is even there. I also called my phone provider to ask them if may be I had been SIM hacked/swaped and they said " No ''. These were funds that we had saved over a four year period. We were going to liquidate the acct. since we were in the process of buying a home this week, and this amount was the down payment. Now we lost our funds and the house we were going to buy. I have kept track of all the emails, about 10 reps that I talked too and all the transactions that I did. I seriously need some help to get my funds back. I got a case # which is XXXX. Thank you.
Consumer complaint received 2021-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (FL)

Hello, my issue involves a debt I am actively disputing with The Bureaus Collection agency. While i have asked for verification numerous times in my disputes, and while they have yet to provide me with anything, I noticed today that they recently made a {$1.00} dollar payment into the account. I never made a payment to them because I do not even know what the debt is for much less ever received a response from them. I have noticed this happen before and did an online research. Apparently this is done to extend the statute of limitations of an account and also to keep the account active beyond the legal time frame. 

The credit forums explain that whenever a payment is made a legal agreement to repay is created. When no other payments are received, they can consider this a breech of payment contract and report a new time limit. This is WRONG. Nothing has been paid by me or anyone else, and I am disputing not only the account which is not mine but also this illegal practice used to re-age accounts. 

i am asking this federal agency to take a look at my consumer credit files, to reach out to this company and review all my dispute requests which have never once been answered and to put this company on the record for violating the law. This is illegal and wrong, to keep people locked into debts which they dispute. This is shameful.