davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Counsel, Inc. (FL)

TODAYS DATE : XX/XX/XXXX CREDIT COUNSEL INC XXXX 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 CREDIT COUNSEL INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX XXXX  # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX
Consumer complaint received 2024-10-25
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. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Subject : Formal Request for Resolution Regarding Billing Discrepancy and Suspected Securities-Related Activity Dear XXXX XXXX XXXX XXXX, I trust this message finds you well. I am writing to address a pressing concern regarding my XXXX XXXX XXXX specifically a persistent billing discrepancy where statements consistently reflect a positive balance, even when there is an outstanding balance on the account. 

I wish to draw attention to federal regulations, particularly 15 U.S.C. 1666 ( b ), which expressly prohibits the reporting of late payments under any circumstances. This provision underscores the importance of accurate reporting practices. Concerns arise as it appears that reasonable procedures to verify the receipt of billing statements have not been adequately adopted. 

Furthermore, the absence of a robust system to confirm the receipt of billing statements raises questions about compliance with federal laws, including 15 U.S.C. 1611 ( 1 ), which prohibits creditors from furnishing false or inaccurate information. Any billing discrepancy contributing to a misrepresentation of my financial status may potentially breach this crucial provision. 

In addition to the billing concerns, I wish to address suspicions of a discrepancy in securities-related activity. The observed discrepancy between the reported positive balance and the actual outstanding balance raises concerns about potential securities fraud. This raises ethical and legal concerns, as engaging in such activities could have serious implications.

I respectfully request the following actions to address these concerns : 1. *Thorough Investigation into Billing Discrepancy : * Conduct a comprehensive examination into the billing discrepancy, rectifying any inaccuracies to accurately reflect the current balance. 
2. *Transparency Regarding Securities Trading : * Provide a detailed explanation of any securities trading related to my account and clarify how it may impact my rights to the security interest.

3. *Update Account Status to " Paid as Agreed '' : * Request an immediate update of my account status to " Paid as Agreed '' to reflect the accurate payment history. 

It is my sincere hope that these matters can be addressed promptly and transparently to ensure compliance with applicable federal laws and regulations. 

Your attention to these concerns is highly appreciated, and I trust XXXX XXXX will take the necessary steps to rectify any potential inaccuracies, provide clarity on the observed billing and securities-related issues, and promptly update my account status as requested. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2022-10-28
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX regarding 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (FL)

TODAYS DATE : XX/XX/XXXX AARGON AGNCY XXXX 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 AARGON AGNCY XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (PA)

I'm submitting this complaint in reference to ENHANCED RECOVERY COLLECTION knowingly reporting inaccurate data. My credit is affected by these penalties this look SUSPICIOUS AND DECEPTIVE, I demand " TO SEE '' Valid Authorization/proof of alleged debt. Report without valid proper discloser requirements are in direct violation of my consumer rights. I XXXX XXXX legally requested a description of details of the verification process used to verify this alleged account. Federal law requires you to respond in 30 days failure to comply with these federal regulations by FTC u.s c41, et esq
Consumer complaint received 2022-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (GA)

Some one used my information to obtain car insurance. I called the company they informed me the car that was insured was registered to an XXXX XXXX. I do not know who that person is, nor am I affiliated with that person.
Consumer complaint received 2022-10-28
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. (DC)

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 an 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 any purpose.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Insta-Credit Auto Mart, Inc. dba InstaCredit Automart (IL)

I previously disputed the repossession on my account through XXXX and it came back that it was accurate but I have paperwork that shows that the balance is {$0.00} and the account was cleared off XXXX XXXXXXXX XXXX credit and she was the primary account holder so it should be cleared off my credit!
Consumer complaint received 2022-10-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company (IL)

On XX/XX/XXXX, I received a notification from XXXX that there was a negative mark on my credit report. I had no idea what it could be about. I took a look and saw that it was from Merchants Credit Guide. I called the number listed, and they informed me that I supposedly had medical debt from an appointment to XXXX XXXX XXXX XXXX. I had never received any notice from XXXX that I had any sort of bill owed to them. I am unaware if they sent a bill to my father or not. ( Note, I am a XXXX XXXX XXXX who lives at home with her parents, is still on her parents ' insurance, and has never paid her own medical bills- why would I think to look to pay any sort of medical bill ). Regardless, I, myself, had never received a bill or any sort of communication from XXXX XXXX After doing some digging, I found that I could dispute this claim on XXXX, XXXX, and XXXX. I filed disputes on all three websites on XX/XX/XXXX. XXXX deleted the debt from my credit report on XX/XX/XXXX. XXXX verified the account as mine on XX/XX/XXXX. XXXX certified that the account was mine on XX/XX/XXXX. I am incredibly frustrated because I am aware that the account is supposedly mine. What I am upset about is that neither XXXX nor XXXX investigated whether or not I had received a notice about this alleged debt to XXXX XXXX which has led to a negative effect on my credit report and score. These companies are heartless, thoughtless, and quite frankly terrible in regard to consumer services.
Consumer complaint received 2022-10-28
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: Experian Information Solutions Inc. (MO)

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  
Unknown un recognized un authorized inquires
Consumer complaint received 2022-10-28
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: CCF Intermediate Holdings LLC (AZ)

i made a payment for XXXX using my debit card and speedy cash took the money out of my checking asccount and did not credit my loan. they are still charging interest. I sent them proof of the doc and not actioning it
Consumer complaint received 2022-10-28
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)

XXXX, Experian and XXXX are reporting XXXX XXXX XXXX # XXXX inaccurately and incorrectly, Last reporting dates and Last active dates are different on all three major credit reports. ( See attached Screenshot ) My rights are being violated under the Fair Credit Reporting Act. 

Note : This complaint is NOT for verification, XXXX, Experian and XXXX must provide to me ( in writing ) paperwork showing 100 % VALIDATED proof within 45 days or they MUST remove this account from all three credit reports immediately.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, 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. (PA)

XXXX XXXX has suppressed my credit report for the third year. I've asked for it to be unsuppressed last year around XXXX of last year they told me I had to send in documentation with a copy of my drivers license copy of a form letter from Social Security. I did that. I also sent them a copy of a name, change XXXX XXXX change it was valid for 90 days is no longer valid. I'm waiting for the update from the XXXX XXXX XXXX, XXXX XXXX, who are two years behind I sent copies of my passport yet and still there's still some pressing my file after sitting them the proper documentation last year they turned around and suppressed my file and that allowed me to do with. Meanwhile, I'm getting denial credit. They're violating the fair reporting act, and here it is again they suppress my file without any rationale or statutes of law why they do it they do what they want. This is ridiculous. They don't follow the law they break the law consistently I've been a victim of identity fraud. They still have things on my ad on my report that do not belong to me. They remove it, then suppress my file and then put the incorrect or fraud debt back on the there
Consumer complaint received 2022-10-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service Company, INC (CO)

On XX/XX/XXXX I received notice of a collection posted to my credit report in the amount of {$290.00} from Credit Service Company INC. Having never heard of this company and not knowing of any new credit card or line of credit, I reached out to XXXX for assistance. They researched and found it was originally for XXXX XXXX XXXX XXXX for a service date of XX/XX/XXXX in their XXXX XXXXXXXX location I know of XXXX XXXX XXXX as they have an office in my hometown but I have not seen them nor have I seen a bill from them at any time. I was also not contacted by Credit Service Company.. The result of the conference call between XXXX, Credit Service Company, and me was that XXXX would file a dispute and investigate on their end.
Consumer complaint received 2022-10-28
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: CITIBANK, N.A. (IL)

On XX/XX/2022 I ordered food at XXXX XXXX in XXXX, Indiana. I paid for by mi CITI VISA CARD. When I went to my hotel room I realized that one out of three items I ordered and paid for was not present in the bag that was clipped shut. I did not open the bag to check and trusted them. I then call XXXX XXXX and complained. I also talked to manager. She will not deliver the missing item or reverse the credit card charge. She wanted me to drive back to XXXX XXXX to pick up the missing item. I protested, saying that it is not fair to customer to pay the price by driving, paying for gas used and wasting time to fix their mistake. She did not care. 
I disputed charge with CITI. Their response was to send me a signed receipt of my transaction, and closing the case in merchants favor. 
In no communication they have mentioned my version. When a merchant does not deliver as promised it is fraud. CITI has responsibility to protect me from fraud and not shield the merchant.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2022-10-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: FIRST CITIZENS BANCSHARES, INC. (CO)

I recently invested in an 11 month no-penalty CD with CIT Bank who XXXX at the time, was offering the most competitive rate. As the rate environment has changed I'm now looking to close out the existing CD to reinvest the funds at the higher rate now offered by XXXX. While this process is simple with XXXX 's competitors, primarily XXXX and XXXX, XXXX has intentionally made the process difficult/near impossible by forcing seemingly endless hold times on customers trying to close out CDs. At XXXX and XXXX, customers are offered the ability to close out accounts on their own via their online portals and the entire process can be done in under a minute. At XXXX, however, you must call customer service, select an option to talk to a representative about account management and wait up to a couple hours to actually reach a representative. Thereafter they notify you that you'll need to be handed over to the " transaction line, '' an option not immediately available during the initial menu offerings, wherein you have to wait on hold again for a period of hours to reach a representative. During the second hold period there is no relay of hold time estimates nor do you talk to a representative at any point in time. Seeing that there is a simple solution to this problem, already deployed within competitor 's portals, this ongoing issue appears to be intentional and done so to strip customers of their ability to access their funds in a timely manner to the benefit of XXXX.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To Whom It May Concern : I have authenticated over the phone that a person in the executive team rapidly sent a correspondence without completely doing their due diligence. The conversation started with the amount owed for XXXX of XXXX. The amount has tripled. They claim that their XXXXXXXX XXXX is no longer in effect. The XXXX XXXX was over many months ago. In fact it should have not been in effect since they closed my account and also caused delinquency. The gentleman that I spoke to started to then go backwards to XXXX of XXXX in which he said I made charges. I asked him did I pay the bill and he authenticated that I did. Then we started moving forward to the months after that and he authenticated that payments were made. Then he skipped all the way to XXXX in which he started to all the previous months and tried to change the conversation. He claimed I didn't make the payments. Meanwhile I said that XXXX XXXX  XXXX didn't allow me to make payments, canceled my card and in addition hurt my credit score. This same gentleman wanted to talk about XXXX and not talk about the issueXXXX XXXX XXXX XXXXXXXX was the fastest to respond and I asked him if he listened to the voice recordings and do his due diligence. He ignored the question. We spent 1.5 hours talking about subjects that he wanted to avoid. 
Regardless he claimed the case was closed and I said how can the case be closed if he hasn't done all his full due diligence. He then admitted that he needed to do more research. I mean seriously ... You conclude and then say you need to do more research. 
Regardless I have submitted and uploaded that I have made payments to this website and I also proved to XXXX XXXX XXXXXXXX and they still refuse to accept that they have made massive hurtful errors to me and my family.
Consumer complaint received 2022-10-28
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. (NJ)

I disputed a company called XXXX XXXX XXXX reporting on my consumer file that its inaccurate information reporting, to XXXX, Experian and XXXX they all said they investigated, and it came back as verified and accurate, but how is that when it's a collection reporting as a past due balance this is a violation of the FCRA and is also in violation of Metro 2 Compliant reporting standards. XXXX, Experian and XXXX are not reporting a date of last activity, Experian or XXXX is not reporting a high balance and XXXX is reporting a collection account as opened and past due balance and XXXX is reporting a collection account as opened and past due which is not under FCRA compliance, according to the letter, I received from the company that is reporting this account on behalf of XXXX XXXX XXXX. XXXX, Experian and XXXX all have a different account number from the company. Please see attached letter I provided from the company for proof that the account numbers that's on my credit file is different from each of the CRA 'S.