davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.
Consumer complaint received 2024-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (IN)

I have been calling for months Citi back sent money from balance transfer to frontier communications and it needs to go to XXXX XXXX. I have them the information and the can not get it straightened out they will not give me a transfer number or will not help .this happen in XXXX for XXXX. Please help they have been investigating for months nothing don
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

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.

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 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-01
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-01
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. (OH)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.
Consumer complaint received 2018-05-08
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: GMA Investments, LLC (FL)

XXXX XXXX contacted me about a debt they stayed I owed. I informed them I needed to see where I owed this money in writing. They instead sent a payment arrangement to my email. They threatened me by stating my account was going into proceedings back in XX/XX/XXXX and I only had less than a week to make this arrangement. Here it is XX/XX/XXXX and they are calling using the same tactics. They called my place of business and I sent an email to them on XX/XX/XXXX staying Im not allowed to receive correspondence at my work. On XX/XX/XXXX I received a call from XXXX XXXX stating they sent an employee verification form to the school where Im housed and telling me I had a meltdown about it. I am not employed by the school but housed in their facilities. So at this point, they are reaching out to an entity that is not my place of employment trying to get information about me. I have copies of emails and voicemails ( that are also transcribed ) of our communications if needed.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (IL)

I sent Credit Collection Service who represent XXXX XXXX XXXX XXXX several notices regarding this information on my credit report being inaccurate. I did not have XXXX XXXX company. I requested they send me a contract or proof and they never responded. Later I was notified that this company has been deleted from my credit file. I looked up my credit information and see this company still appears on my credit report. 
I also read that legally after 30 days of no response this should be deleted.
Consumer complaint received 2017-04-05
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (CA)

I reported a fraudulent charge on my credit card to Synchrony Bank They sent a fraud claim form that I completed and sent back. 
I then received a letter from Synchrony denying my Fraud Claim. 
" Customer released account information to a third party '' was the reason given for the denial. On the fraud claim I told them that credit card information was given over the phone to XXXX for a purchase. 
My wife XXXX who is also authorized on this account made the phone call. Information was not given to a third party. 
A fraudulent charge was made for {$7400.00} from XXXX on XX/XX/2016. We did not make this purchase nor did we received anything for this charge. 
It is a completely fraudulent charge.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

XXXX you have committed a crime of fraud with your fake client from XXXX XXXX XXXX  XXXX XXXX fake SSN XXXX and XXXX. 

THE CFPB MUST FINE XXXX. 

PLEASE CONFIRM AS YOUR EMPLOYEE XXXX STATED XX/XX/XXXX AT XXXX SPOKE XXXX MINUTES SHE CALLED ME FROM XXXX XXXX PLEASE REVIEW THE PHONE CALL BEFORE YOU LIE AND SAY THIS IS A DUPLICATE. 

SHE SAID WE SENT YOU A SATISFACTORY OF MORTGAGE XX/XX/XXXX? 


XXXX PLEASE INVESTIGATE AS XXXX  WILL ALWAYS LIE
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (IL)

I sent Credit Collection Service who represent XXXX XXXX XXXX XXXX several notices regarding this information on my credit report being inaccurate. I did not have XXXX XXXX XXXX. I requested they send me a contract or proof and they never responded. Later I was notified that this company has been deleted from my credit file. I looked up my credit information and see this company still appears on my credit report. 
I also read that legally after 30 days of no response this should be deleted.
Consumer complaint received 2024-10-08
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: OneMain Finance Corporation (MO)

I wrote a billing error notice to the OneMain company on XX/XX/XXXX. I did my due diligence in reading the company XXXX and XXXX SEC reports to find the right people to send the notice to and followed all procedures outlined in 12CFR 1026.13 and 15 UCC 1666 in reference to billing error dispute. I was given auto generated responses that did not address any of my concerns. I asked for proof of funding, OID amount, current note holders, status of note, etc. I also have documents that show the current account number to have been closed and paid in full in XXXXXXXX XXXX XXXX, yet there's an active account with this same number. I was told a correction needed to be made to my tradeline and I waited their 30 day period, no updates, so I sent a XXXX notice, to cure default. I was given another nonresponse and no questions have gone answered, in fact in their last response I was told that all questions regarding law and fact are denied, yet was given to reasonable explanation and no date that payments should resume. Also, per the CFR code, any payments during this period are subjected to withholding on my part, until the notices are resolved. As I sent the XXXX notice on XX/XX/XXXXXXXX XXXX XXXX  the local XXXX XXXX, MO branch processed a payment that I had to put a stop payment order on. There is also negative reporting to the credit agencies, which per the codes they must follow by, says that no negative reporting shall take place while there is an ongoing billing error dispute. This company has been in violation every step of the way and has not answered any questions and remains in default for several reasons. The amount in question is full amount from both accounts with the same account number, plus interest.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Hello Equifax, My name Is XXXX XXXX I've received an updated copy of my report and noticed their are still 6 fraudulent accounts reporting on my report. I am asking that these accounts please get removed from my report.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lugano Capital, Inc. d/b/a Start Auto Finance (FL)

This account was completely paid off through my personal insurance and gap insurance that was elected when the vehicle was purchased in XX/XX/year>. This company first started incorrectly reporting a charged off balance of {$2700.00} and after I submitted my complaint they updated the charge off balance to more than the price of the vehicle at {$26000.00}. They are illegally reporting incorrect information on my credit. I need the payment history to be accurately reported and the charge off status to be removed.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CO)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : Experian 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 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 2024-10-01
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. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIZENS FINANCIAL GROUP, INC. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear CITIZENSONE, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and XXXX XXXX XXXX ( XXXX  ) Sections 570.223 and 407.020, which govern identity theft and fraudulent credit practices.

It has unequivocally come to my attention that CITIZENSONE has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

Additionally, Missouri law, specifically under XXXX Section 570.223, emphasizes the serious consequences of identity theft and fraudulent use of personal information. Furthermore, XXXX  Section XXXX prohibits deceptive practices, which include the unauthorized reporting of credit information without the consumer 's consent. 

I assert with unwavering certainty that I have not provided consent for CITIZENSONE to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and a complete disregard for both federal and state laws.

I demand, with the utmost certainty, that CITIZENSONE immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and XXXX  Sections 570.223 and 407.020. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Missouri identity theft statutes. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CITIZENSONE will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KY)

I am submitting this third -round dispute regarding XXXX ( XXXX ) late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX reported by XXXX  Number XXXX that remain unverified on my credit report, despite my initial dispute on XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S. Code 1681i ), creditors are required to verify the accuracy of information within 30 days. As of today, no such verification has been provided, making the continued reporting of these late payments a violation of the FCRA. I request the immediate removal of these unverified late payments from my credit report under FCRA 611 ( a ) ( 5 ), which mandates that unverifiable information be deleted. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX.