davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

- XXXX XXXX XXXX  XXXX XXXX XXXX closed the account XXXX Portfolio Recovery Associates reported the debt as a new collection- I never entered into a signed agreement with Portfolio Recovery Associates to pay the debt - Portfolio Recovery Associates filed a lawsuit in XXXX County Magistrate Court
Consumer complaint received 2022-04-24
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: Experian Information Solutions Inc. (TX)

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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A, States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C. 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-24
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. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-04-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings (NV)

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX Account Type : XXXX XXXX Code : Individual Account Status : Paid Monthly Payment : - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : - High Credit : {$470.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last XXXX XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Consumer disputes this account information Date Last Active:XXXX  XX/XX/XXXX Date of Last Payment : - As you can see, the account was disputed, but the inaccurate information was not removed.
Consumer complaint received 2022-04-21
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. (FL)

In accordance with the Fair Credit Reporting Act, everything on my credit report has to be 100 % accurate and consistent. 

Experian stated the account listed below was properly investigated. How is that possible when the date last active is inconsistent with all 3 bureaus. This is at grounds for an immediate removal according to the FCRA. 

US DEPT ED - XXXX 15 U.S.C. 1681 Section 602A states that I have a right to privacy.

15 U.S.C. 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-07-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Richland Bureau of Credits Medical Service Bureau Inc. (OH)

On XX/XX/2018 RBC Inc. put a negative mark on my credit report account. This was a medical bill that was not presented to me in any form of communication formatting. I found out thru pulling my credit report that there was a negative remark by the name of RBC Inc . I tried calling the company but could not find any contact information on the company. This negative mark affected all 3 of the bureaus and has greatly lowered my score.
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (GA)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX Balance : {$1300.00} ; XXXX XXXX Balance XXXX {$3700.00}
Consumer complaint received 2022-04-24
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. (AR)

THE 3 MAIN CREDIT REPORTING AGENCIES ARE STILL FALSIFYING FALSE INFORMATION ON MY CREDIT REPORT.

I HAVE SEVERAL ACCOUNTS THAT NEEDS TO BE REMOVE FROM THEIR DATA BASE FROM MY CONSUMER REPORTS.
Consumer complaint received 2022-04-21
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)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 38 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX  anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2022-04-24
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: Experian Information Solutions Inc. (TX)

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. 
DPT ED/XXXX XXXX, DPT EDXXXX XXXX XXXX DPT EDXXXX XXXX, DPT EDXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX US DEPT ED XXXX, US DEPT ED XXXX XXXX US DEPT ED 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, US DEPT ED XXXX Has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.C.S 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 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I, XXXX XXXX, am a victim of identity theft and I recently discovered various fraudulent accounts on my credit files. I discovered several unauthorized credit card accounts, an auto lease and a mobile phone account that I also did not open. I quickly filed multiple police reports with DC XXXX Police and XXXX XXXX XXXX Police Department. I also signed and notarized a FTC Identity Theft Affidavit stating that I did not open these accounts, authorize the transactions, or engage in any activity related to them. I submitted all relevant documentation and identification with XXXX, XXXX, and Transunion requesting the fraudulent accounts to be blocked from my credit file pursuant to FCRA XXXX. Although some of the unauthorized accounts were removed there were several fraudulent accounts that remained on my credit reports. That included a fraudulent credit card account opened by XXXX XXXX XXXX XXXX ; an unauthorized auto lease with XXXX XXXX and a mobile phone account with XXXX. There was no explanation on how these accounts were verified and remained my credit files.
Consumer complaint received 2022-04-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

2 times this month I tried to mobile deposit a check through citizens bank. They both were labeled fake. The first one was labeled " altered '' and the second pne was labeled " frorged ''. I swear I did not know the checks wouldn't go through. My bank account was frozen on XX/XX/XXXX and is set to be terminated permanently on XX/XX/XXXX. The checks were from a company that just hired me and were supposed to help me buy equipment for the job. They were sent to me as screen shots that I had to print out.
Consumer complaint received 2022-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC (GA)

XXXX XXXX is trying to use Allied interstate to collect a debt of over {$600.00}, claiming I have a storage unit with them. On XX/XX/22 I opened a storage unit with them. On the next day XX/XX/22 I closed a storage unit with them because it did not fit my needs. They know that in their system I am not a customer. 

I have no active units with them and owe {$0.00} They are trying to collect a debt that is not owed. 
I was also enrolled in auto pay through my credit card. So this makes zero sense.
Consumer complaint received 2022-03-21
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. (MN)

I am requesting the following inquiries be removed from my credit file. Myself and XXXX XXXX have obtained approval from the creditors to remove the inquiries listed below. If you do not do so please provide valid information proof that these inquiries showed remain after full investigation.
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WI)

I disputed some accounts back in XXXX that I didnt recognize, I watched some videos on XXXX and came accross one that said these accounts need to be reporting 100 % accuraley. Well I disputed them for having multiple FCRA violations and most of them were deleted only to be reinserted without proper notifcation to me. 

These accounts are 1. ) XXXX XXXX Acct # XXXX 2. ) XXXX XXXX Acct # XXXX 3. ) XXXX XXXX Acct # XXXX 4. ) XXXX XXXX Acct # XXXX 5. ) XXXX- ACCT # XXXX Now they are reporting as 1. ) XXXX XXXX ACCT # XXXX 2. ) XXXX XXXX ACCT # XXXX 3. ) XXXX XXXX -ACCT # XXXX 4. ) XXXX XXXX ACCT # XXXX 5. ) XXXX ACCT # XXXX There are other accounts that are still reporting erroneously and would love to understand how these reporting agencies can do this without repercussion. They are not above the law. They should be removed off of all 3 bureaus and not just one or the other, If theyre all getting information from the same place they should all be reporting accuratley or removed from all 3! 
Here are the list of accounts that should not be there! 
XXXX XXXX ACCT NUMBER XXXX AND THERE ARE TWO ACCOUNTS WITH 2 BALANCES {$240.00} AND {$310.00} XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX
Consumer complaint received 2022-04-24
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: Experian Information Solutions Inc. (IN)

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 FCRA Act section 611, gives you the right to request an explanation of the verification method used by the CRA
Consumer complaint received 2022-04-24
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: Experian Information Solutions Inc. (MA)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX DEPT OF ED/XXXX Account # XXXX DEPT OF ED/XXXX  Account # XXXX DEPT OF EDXXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX ha violated my rights 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.
Consumer complaint received 2022-04-24
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. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-24
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. (GA)

Filed Ch XXXX in XXXX, it was completed and XXXX in XXXX. Then in XXXX one old collection agency placed a collection on my credit report as if I reopened a account ( re-dated ) it as if new- dropping my credit score and hurting what I have been working on hard for all these years. I disputed with XXXX and Experian reporting agency but they will not remove it. XXXX isnt reporting it. I have talked to my bankruptcy attorney and he said it is a discharge violation.
Consumer complaint received 2022-04-24
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: Eastern Account Systems of Connecticut, Inc. (GA)

Filed Ch XXXX in XXXX, it was completed and XXXX in XXXX. Then in XXXX one old collection agency placed a collection on my credit report as if I reopened a account ( re-dated ) it as if new- dropping my credit score and hurting what I have been working on hard for all these years. I disputed with XXXX and XXXX reporting agency but they will not remove it. XXXX isnt reporting it. I have talked to my bankruptcy attorney and he said it is a discharge violation.
Consumer complaint received 2022-08-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Collection Systems, Inc. (NY)

To Whom it May Concern : I am writing you regarding a {$1300.00} collection fee attached to a tuition bill for XXXX XXXX XXXX XXXX XXXX XXXX for my son _______. My son attended the Vocational Independence Program ( VIP ), a special education transition program for young people with XXXXXXXX XXXX XXXX. He attended XX/XX/XXXX through XX/XX/XXXX, when the program was discontinued by XXXX during the pandemic shut down. 
The tuition for the program was being covered by a program of the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). At the end of each month the fiscal intermediary handling my son 's case, XXXX XXXX for XXXX XXXX ( XXXX ), would receive an invoice and pay the monthly bill. The collection agency wants to enforce an unjustifiable exorbitant collection fee and slap my XXXX son with a bad credit rating. 

I have a timeline of email contacts, and supporting documents, from the first contact I received from the bursar in XX/XX/XXXX, through this summer. I have been in constant contact with the collection agency and RCIL attempting to resolve if there was still money in the budget to cover the remaining balance, so that I would know if I needed to pay out of pocket and could settle this matter in a timely fashion. 

In a typical collegiate situation, the bill is in the students name with the assumption that student is developmentally capable of understanding responsibility and perhaps even the finances as they are attending a degree program. However, it should be noted that this aforementioned program was not a typical college program. It was a program for young people with XXXX, to teach them the necessary skills to be able to live as independently as possible and be productive members of the community. After finally getting word from the fiscal intermediary that they did not have any more funds in his budget to cover the final balance, I did pay off the XXXX tuition remaining in two increments of {$2500.00} in XXXX. My intention was to get this request email to them then, but my son then became sick with XXXX, with my daughter becoming ill just on the heels of his recovery. Students who attend these programs dont have bank accounts or credit cards and are just learning how to handle basic financial transactions. Therefore, I think it is justifiably unfair for my son to be penalized with the bad credit rating. I am contesting the collection fee, as they are well aware of the situation and request it be dropped and my sons name remain clear.
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

Personal loan. Or installment account. Account close paid as agreed Personal loan XXXX XXXXXXXX XXXX. Updated XX/XX/XXXX XXXX close account PAID AS AGREED Updated XX/XX/XXXX. XXXX Updated XX/XX/XXXX Updated XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am a natural person/not a third party Capital one has closed my open end consumer credit plan without my consent pursuant to 15 usc 1637 ( h ) cites, A creditor of an account under an open end consumer credit plan may not terminate an account prior to its expiration date solely because the consumer has not incurred finance charges on the account.

Theyre is no where in the truth in lending act that states that a creditor can close an open end consumer credit plan/an alleged credit card for 5 or more returned payments. This was an individual action that took place and wasnt authorized by me. Also on the terms and agreement plan with capital one also says that there is no penalty for returned payments and they have to abide by federal law to close my open end consumer credit plan.they also continue to report late payments to my consumer report without following federal law or providing any reasonable documentation to verify that a late payment is accurate pursuant to 15 usc 1681a ( 2 ) ( I ).
Consumer complaint received 2022-08-01
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. (KY)

Equifax. I sent several disputes through XXXX Equifax. Confirmation XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I sent them between XXXX pm to XXXX pm eastern XX/XX/2022. This disputes were done by midnight. I disputed an address that begins with XXXX that was incorrect. They did remove that. How in the world did they verify all information as request during non business hours? Whatever findings is thus rendered a false investigation and was not thoroughly done. Federal law states in US Title 15 Chapter 14 Consumer Credit Protection Subchapter 3 Credit Reporting Agencies Section 1681i - Procedure in case of disputed accuracy ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please verify all entries, dates, and amounts if verified. Show me original the original documents. If not done properly, I already spoken with an attorney who is on standby.