davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-08
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. (PA)

XXXX is saying the inquiries are factual when they are that and they have not provided any such proof that they are factual. 

Experian did not delete the inquiries requested in my previous investigation.
Consumer complaint received 2022-07-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Advantage LNS Inc. (MD)

On XX/XX/2022 I pulled my credit report and found that there are two unpaid/delinquent accounts listed with XXXX. This was done without my permission! I called XXXX and spoke with a lady named XXXX. The phone call reference number is XXXX. During the call I asked XXXX if it was XXXX 's practice to just put anything on a consumer 's report without an investigation, and she told me yes ; as long as the debt collector provides the info ; they can just add whatever they like and the consumer has no say in the matter. I did some research and found that this is absolutely NOT the case. The items listed on my XXXX Account is causing a hardship for me and are simply inaccurate. There's one for {$8200.00} for a rental property and one for {$110.00} for a medical bill. I'm not sure of the company who purchased the alleged debt and that is why I reached out to XXXX. However, the way XXXX has handled this situation by disregarding my rights as a consumer and their deceptive practices ; I no longer wish to do business with them directly. At the time of this complaint I got another report to find that they still have it listed and refuse to remove it.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

XXXX XXXX is reporting five ( 13 ) missed or late payments on my credit report ; XX/XX/XXXX - XX/XX/XXXX. I've disputed these late payments with XXXX on multiple occasions including phone, email and certified mail. XXXX has failed to respond to direct disputes and fell short of doing thorough investigations when asked to by the CRAs. Its completely unsatisfactory that these mid to large companies violate FCRA violations such as notices informing consumers they are reporting negative information -- every consumer does not review their credit monthly. In my case, I went nearly a year and half until I noticed the negative reporting by this time there has been instrumental damage to my credit worthiness. What is equally alarming, when the CRAs fail to conduct a independent investigations and the outcomes turn out to be " certified '' without surveilling the full scope. After disputing the reporting, there has been multiple times where XXXX has not left a " dispute remark '' on my profile which I have attached documents validating this incompliance. I've exhausted all options at this point with both XXXX and all three ( 3 ) CRAs to no available. 

Compliance violations 1. 623 ( 5 ) ( a ) -- Duty to Provide Notice of Delinquency of Accounts 2. 623 ( 7 ) ( a ) -- Notice to consumer require reporting Negative information 3. 623 ( 7 ) ( b ) -- Time of notice reporting Negative information 4. 623 ( a ) ( 3 ) : Duty of furnishers to provide notice of dispute to CRAs ( No remark on credit file ) 5. 12 CFR XXXX - Direct disputes Tracking numbers ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-08
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: FIRST PORTFOLIO SERVICING INC (WV)

This has been going on for a few months now and they keep charging me late fees and the balance has gone from {$330.00} to {$380.00}. Apparently theyve also turned me into collections without notifying me of a past due balance. I cut this card up in XXXX after I paid it off, but there were some fraudulent transactions which I disputed ( in writing ) because they refuse to do disputes over the phone. They denied my dispute because whoever used the card knew my zip code Im sorry but I can XXXX a name and get someones zip code. The FCRA has to have been violated here because as I said theyve turned me into collections without even trying to get ahold of me, charged late fees without notifying me, denied disputes on no basis, and reported me to the credit bureaus as delinquent.
Consumer complaint received 2022-09-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ARS National Services, Inc. (NY)

ARS national services inc is still continuing to collect debts from a person that is exempt from there debt collection CFPB Case No. XXXX, XXXX they were given this notice This will serve as your legal notice under the provisions of federal and state law, the Exempt Income Protection Act ( EIPA ) and the Fair Debt Collection Practices Act ( FDCPA ), to cease and desist all communication and collections with me in regard to the debt referenced above. they are voilating the cease and desist of all communication and collections with me in regard to the all debts they will be sued under the he Exempt Income Protection Act ( EIPA ) and the Fair Debt Collection Practices Act ( FDCPA ) if they continuing to try and collect any and all debts from XXXX bank XXXX national services inc can not contact me any more for any debts I am exempt from there debt collection which they do know that I am but keeps triyng to collect on other debts that are exempt from there debt collection ARS national services inc already knows that I am exempt from debt collection why do they keep trying to collect
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX XXXX XXXX through tip adjustment stole XXXX XXXX XXXX XXXX XXXX  dollars from me and bank of america allowed them to ive disputed and disputed and now there trying to say i owe them money ive asked for help and asked they said on last complaint they responded still no respones XXXX XXXX that money was from a law suit that XXXXXXXX XXXX XXXX XXXX XXXX and for bank of america and this XXXX XXXX to steel from me like that i have now ay of surving now and still no response when they btold you they did please help me here i dont even know who to contact theycommited fraud and yes i belive someone knows someone at both bank and XXXX XXXX  that how they are covering it up
Consumer complaint received 2022-07-01
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. (PA)

Dear Experian, Pursuant to 1692g, I am requesting the Method of Verification for the following disputed account ( s ) : XXXX XXXX XXXX XXXX This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. 
This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ). 

XXXX XXXX XXXX XXXX Please provide the following items : identify the item ( s ) by the name of sources, such as creditor or tax court, and identify the type of item, such as credit account, judgment, etc.

1. The name of the original creditor 2. The creditor 's address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute if you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage. 

Best Regards, XXXX : XXXX ( XXXX ) Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (LA)

EXPERIAN REFUSES TO REMOVE A BANKRUPTCY OFF MY CREDIT REPORT OR GIVE ME THE PROOF OF WHO FURNISHED THEM WITH INFORMATION.EXPERIAN SAID THEY GOT IT FROM THE COURT HOUSE, WHEN I GOT A LETTER FROM THE COURT HOUSE SAYING THIS IS FALSE, THEY THEY INSISTED THEY GOT THIS INFORMATION FROM XXXX XXXX. I HAVE SINCE GOTTEN MY COMSUMER CREDIT REPORT FROM XXXX XXXX AND NO SUCH PUBLIC RECORD EXSIST ON MY CREDIT REPORT. I DEMAND THAT THIS BE REMOVED SINCE THEY HAVE NO VALID PROOF THIS IS IN FACT MY BANKRUPTCY. XXXX  AND XXXX  HAVE DELETED THIS BANKRUPTCY BECAUSE THEY WERE UNABLE TO VERIFY THIS INFORMATION.
Consumer complaint received 2021-02-02
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. (NJ)

XXXX XXXX is reporting five ( 13 ) missed or late payments on my credit report ; XX/XX/XXXX - XX/XX/XXXX. I've disputed these late payments with XXXX on multiple occasions including phone, email and certified mail. XXXX has failed to respond to direct disputes and fell short of doing thorough investigations when asked to by the CRAs. Its completely unsatisfactory that these mid to large companies violate FCRA violations such as notices informing consumers they are reporting negative information -- every consumer does not review their credit monthly. In my case, I went nearly a year and half until I noticed the negative reporting by this time there has been instrumental damage to my credit worthiness. What is equally alarming, when the CRAs fail to conduct a independent investigations and the outcomes turn out to be " certified '' without surveilling the full scope. After disputing the reporting, there has been multiple times where XXXX has not left a " dispute remark '' on my profile which I have attached documents validating this incompliance. I've exhausted all options at this point with both XXXX and all three ( 3 ) CRAs to no available. 

Compliance violations 1. 623 ( 5 ) ( a ) -- Duty to Provide Notice of Delinquency of Accounts 2. 623 ( 7 ) ( a ) -- Notice to consumer require reporting Negative information 3. 623 ( 7 ) ( b ) -- Time of notice reporting Negative information 4. 623 ( a ) ( 3 ) : Duty of furnishers to provide notice of dispute to CRAs ( No remark on credit file ) 5. 12 CFR XXXX - Direct disputes Tracking numbers ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (OH)

I have a line of credit with Synchrony Bank, formerly XXXX XXXX. This is for the repayment of a piano that I had financed. In signing up for the loan, I specifically asked the salesman if it was with Synchrony, since I had never before enjoyed working with that credit. The salesman assured me it was with XXXX, apparently unaware they had been acquired by Synchrony. The loan is a XXXX, no interest loan. 

Once the account was set up, I went to my online portal to make my first payment and register for auto-pay on XXXX since payment is due on the XXXX of the month. I received an email on XXXX stating " Your first XXXX payment will come out on XX/XX/XXXX in the amount of XXXX XXXX It will then come out on the XXXX day of the month, every month until the account is paid in full or until you cancel. '' On XX/XX/XXXX, I noticed that the automatic payment had not hit my bank. When I got to my online account, it showed no record of having signed up for auto-pay. Rather than going through the process online again, I called the creditor directly. When I explained my situation and that I had received confirmation that I had enrolled in auto-pay, the representative said that was because that first enrollment in auto-pay was just to make the first payment. To actually enroll in auto-pay, I needed to go through and enroll again immediately after. I told the representative, " You realize how insane that is, '' to which she replied, " I don't make the rules. '' In short, Synchrony Bank led me to believe I had enrolled in auto-payment by 1 ) having me complete the auto-pay information on my online account and 2 ) sending me an email confirming the details of the auto pay. This was clearly a lie, and I as a consumer was misled into almost missing a payment which would have resulted in having to pay all the interest on this installment loan that I have budgeted to pay off on time. This is deceptive, untruthful lending that is predatory upon consumers. 

By the end of the call, the representative had processed my next payment and reportedly enrolled me in auto pay. I received an email confirming that. I will vigilantly watch my bank to ensure the payment comes out on time.
Consumer complaint received 2023-01-04
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. (MD)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-01-02
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-26
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-06
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. (FL)

I noticed this problem in XX/XX/2022 " I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2022-02-03
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 XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These are fraudulent inquires on my report please remove them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

portfolio recovery keeps calling me about a debt i owe on credit card they say from over XXXX years ago.i came into some money and paid off everyone i owed if they weren't on my credit report at the time then they didnt get paid.i dont even know if its my account or not as far as i know its not but they call me from all different numbers its annoying and they need to stop calling me.they arent getting anything from me i explained this all ready and yet they continue to call my information was stolen not sure how long ago its hard for me to even do taxes because its a long process so for all i know its fraudulent account its over XXXX years ago i dont remember that long ago what i didnt have or i did have
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I suffered an XXXX data breach and my information has been used fraudulently. I have recently reviewed my consumer report and have noticed various accounts opened using my private information. All allege contracts are completely fraudulent and an attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity and power of attorney fraud. Please expedite the securing of the allege information listed on my consumer report to avoid me being a victim of identity theft. The FDCPA is intended to secure my right to privacy and my privacy has been breached. Please block and remove all information resulting from identity theft pursuant to FCRA 605B and Title 15 USC 1681 C-2 which states that these accounts must be removed within 4 business days. Title 15 USC 1681 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written consent. Title 15 USC 1681 602 ( a ) states I have a right to privacy. 

accounts for a XXXX XXXX with account # XXXX with a balance of {$8900.00} accounts for a XXXX XXXX XXXX with a account # XXXX Inquiries with Capital XXXX inquired on XX/XX/2020 inquiries for XXXX inquired XXXX XX/XX/2020 All these above items are fraudulent!
Consumer complaint received 2022-09-26
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. (GA)

Due to this item being on my report it is causing me to lose out on career opportunities as well as being a better credit profile. Under the 15 U.S.C 1681 section 602A. 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. Please Update the following accts as the balance are wrong. Some of these have not been updated since XX/XX/2022. XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX. These balances being incorrect is causing my debt to ratio to be off balance which is causing credit score to be lower than it should be.
Consumer complaint received 2022-09-26
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. (FL)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.