davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-29
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. (TX)

Tried contacting the credit collection agency, they never responded. I tried contacting XXXX and Equifax and they still will not correct this error on my credit reports.
Consumer complaint received 2024-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-09-28
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. (TX)

I took out an education loan back in XXXX XXXX, XXXX which was serviced by XXXX. Over the years, I have had my own personal hardships and was unable to make payments on this loan. There were originally two loans. One of the loans has been deleted for incorrect reportings. The original loan was {$15000.00}. 
After reviewing my credit report I found that the current XXXX was incorrect in numerous ways : 1.  The amount financed is incorrect. They have it as {$16000.00}. It was supposed to be {$15000.00}. 
2. The past due amount is {$45000.00} which is incorrect because it is almost triple the amount financed. This is a violation of my rights. Collection fees can not be more than the amount originally financed. 
3. The past due amount should have been {$33000.00} Not the amount reported. 
4. They have positive payments from XX/XX/XXXX to XX/XX/XXXX. This is incorrect. I requested to have it deleted due to the 7 years being expired and they falsely reported payments in order to restart the time clock. 
I asked XXXX for a transcript of all the findings listed and they were unable to provide them to me. Therefore I reached out to the credit bureau and asked them to investigate and each time they returned the account as being validated, but still never showed me documentation of this accuracy. 
Over the last year, I have opened up several disputes and even called them to speak to them about this. Again, they simply said it was investigated. I have never made any payments on this account since it started in XX/XX/XXXX. 

In XX/XX/XXXX I made two payments for the amount of {$25.00} on the other XXXX account that has since been deleted. What XXXX did was take those payments and apply {$9.00} to the current one in order to keep it running. This is a clear violation of my rights. Again, I asked both XXXX and the credit bureau to send me documentation and it was not done. Each time I contacted XXXX they simply say that they will send it and then they dont. In regards to the credit bureau they simply say the investigation is completed. 
XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX Phone : XXXX Amount reported : {$45000.00}, {$45000.00} also said a portion was charged off.
Consumer complaint received 2024-08-31
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2017-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (AR)

Account was opened by my spouse in my name without my knowledge or consent. 
Opened XXXX XXXX, XXXX, currently the status of the account is open, responsibility individual, with a balance of {$1000.00}. 
Original account XXXX Diversified Consultants, INC is the current debt collection agency. On XXXX XXXX, XXXX I filed to dispute debt with XXXX through the XXXX XXXX website.
Consumer complaint received 2017-10-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Abrahamsen Ratchford, P.C (PA)

Received calls from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX, PA. I never received any written notification. They did not provide any validation or verifying information. I do not have any debts in collections. 

It 's harassment and a violation of the FDCP to call someone who does n't have a debt in collection. Moreover, it 's harassment and a violation of FDCP to not provide written notification or validation.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have the right to privacy as a federally protected consumer. I have the right to privacy as a federally protected consumer. I have the right to privacy as a federally protected consumer. XXXX I do not consent to E-Oscar verification XXXX XXXX 15 US Code 6805 - enforcement ( a ) In general I ( XXXX XXXX ) HAVE THE RIGHT TO OPT OUT OF ANYTHING ON MY REPORT AT ANYTIME AND THAT XXXX XXXX MUST COMPLY AS SOON AS POSSIBLE AFTER I SENT THEM NOTICE! 

As you can see you are sharing my information to third party sources such as " XXXX XXXX, XXXX, XXXX, Transunion, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

Any information XXXX XXXX shares has to be in accordance with the U.S.

Consumer Privacy Notice. 15 USC 1681. If XXXX wanted to publish my information for credit purposes they MUST NOTIFY ME WHEN AN ADVERSE ACTION IS TAKEN. They never notified me in writing. 

15 U.S code 1681n- Civil liability for willful noncompliance ( a ) In general Any person who " WILLFULLY '' fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of - ( a ) any actual damages sustained by the consumer as a result of the failure or damages of not less that {$100.00} and not more that {$1000.00} or ( b ) in the case of liability of a natural person for obtaining a consumer report under the false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} per VIOLATION PLUS ANY OTHER DAMAGES YOU HAVE SUSTAINED AS A RESULT OF THEIR FAILURE TO FOLLOW THE LAW. IF YOU HAVE TO FILE MORE THAN 1 COMPLAINT, WILFUL NONCOMPLIANCE CAN EASILY BE PROVEN AS THEY HAD A FULL UNDERSTANDING OF THE VIOLATIONS AFTER YOU COMPLAINED THE 1ST TIME. EVERY COMPANY IN THIER AGREEMENTS WITH CONSUMERS SAID THEY WOULD FOLLOW THE LAW AND AGREED TO DO SO. THEY ARE AWARE THAT THEY ARE BRAKING THE LAW. 

Please update " paid as agreed '' on all of my credit reports or pay {$1000.00} per violation and {$10000.00} for emotional pain and suffering. 






XXXX XXXX has my information on a 2016 chevy cruze lease.
Consumer complaint received 2017-09-28
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. (TX)

In the years XXXX there were four cases in which I attempted to file for bankruptcy. The cases were all dismissed. I was having trouble with my husband and property we had together in which it financially draining to me. During that time we attempted to file, but never had the proper paperwork to get it started. It never went to court, a case was never filed. Nothing. Since 2015 I have attempted to write XXXX and have them investigate and have this deleted off my records. After reading the FCRA I found that they were in violation, because they were reporting something inaccurately. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''.
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they had no right to maintain information which the government has deemed nonexistent.
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, they were obligated to delete this information from my credit report and send me an updated copy when this action is completed. 

I wrote them and made them aware of this information and they blatantly ignored my request. I even provided them documentation that the bankruptcies were dismissed. Again, nothing. They were kind enough to send me a new copy of my report that stated that they would be keeping the bankruptcies on my report. 

I am filing a complaint because they are going against my rights as a consumer.
Consumer complaint received 2017-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

This is my second report with the cfpb regarding Capital One. I hold credit with Capital One and so does my father with this card. 
My father is undergoing a refinance with his home. I had several excuses of Capital One not taking off late charges when the card company was at fault of not processing my payment correctly. 
I had another excuse of due to the hurricane that the company is short staffed. 
I had attempted payments and phone calls three times to XXXX at Capital One 's Corporate office. Her number is XXXX. ( XXXX ) XXXX # XXXX. The Customer Service Department has threatened prosecution of non-payment to the credit card holder. I agreed several times before the due date to make payment arrangements, which Capital One agreed to {$30.00} several times.
Consumer complaint received 2017-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On Monday XXXX XXXX I called the company around XXXX. I spoke to a guy XXXX XXXX XXXX stated I believe I was a victim of some type of inquiry issues. XXXX would not help me with the matter that was at hand. I have XXXX hard inquiries on my report and I 'm only knowledgeable of XXXX.
Consumer complaint received 2017-10-22
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

Select Portfolio Servicing has not given me proper credit for payments on my mortgage for the XXXX XXXX and XXXX XXXX sent in XXXX on both these dates to make up for past due payments that I missed. For the past 3 years I have been consistently making payments. My wife has several health issues and I have to spend money for doctor bills and medication. My wife suffered a XXXX and I have tried to explain this to the company. Even though I have been making payments for the past 3 years, Select Portfolio has used aggressive threatening and aggressive tactics to force me to pay more money than I owe. I am attaching the letters from XXXX XXXX and XXXX XXXX that reflect this. For the past 3 years I have consistently been making payments. Select Portfolio is now threatening to foreclose and sent back a payment I sent in XXXX XXXX am including the letters which show inconsistent amounts on the principle such as recent statements the XXXX, XXXX, and XXXX XXXX also am including an updated payment history dated XXXX XXXX have included letters from XXXX XXXX and XXXX XXXXSomething needs to be done to end the illegal practices, the threatening letters and robo calls by these debt collectors.
Consumer complaint received 2017-09-28
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)

There are fraud inquiries, fraud account and account with fraud charges reporting late payments on my credit report and I have tried to work this out with Equifax for the past 2 years now and have provided them with a police report and all the other information they requested and per The Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) inaccurate information is reporting on my credit report and Equifax has not taken action to correct those issues. 









Dispute Confirmation # : XXXX Inquiries XXXX XXXX XXXX XXXX, XXXX/XX/XX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX/XX/XX/XXXX This is a fraudulent inquiry. 
Account XXXX XXXX/XXXX Fraudulent charges were made on my account.
Account XXXX XXXX/XXXX Fraudulent charges were made on my account.
Account XXXX XXXX XXXX/XXXX This is a fraudulent account, account opened by someone who stole my identity.
Account XXXX XXXX XXXX/XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.
Consumer complaint received 2017-09-28
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: EQUIFAX, INC. (TX)

I took out an education loan back in XX/XX/XXXX which was serviced by XXXX. Over the years, I have had my own personal hardships and was unable to make payments on this loan. There were originally two loans. One of the loans has been deleted for incorrect reportings. The original loan was {$15000.00}. 
After reviewing my credit report I found that the current XXXX was incorrect in numerous ways : 1.  The amount financed is incorrect. They have it as {$16000.00}. It was supposed to be {$15000.00}. 
2. The past due amount is {$45000.00} which is incorrect because it is almost triple the amount financed. This is a violation of my rights. Collection fees can not be more than the amount originally financed. 
3. The past due amount should have been {$33000.00} Not the amount reported. 
4. They have positive payments from XX/XX/XXXX to XX/XX/XXXX. This is incorrect. I requested to have it deleted due to the 7 years being expired and they falsely reported payments in order to restart the time clock. 
I asked XXXX for a transcript of all the findings listed and they were unable to provide them to me. Therefore I reached out to the credit bureau and asked them to investigate and each time they returned the account as being validated, but still never showed me documentation of this accuracy. 
Over the last year, I have opened up several disputes and even called them to speak to them about this. Again, they simply said it was investigated. I have never made any payments on this account since it started in XX/XX/XXXX. 

In XX/XX/XXXX I made two payments for the amount of {$25.00} on the other XXXX account that has since been deleted. What XXXX did was take those payments and apply {$9.00} to the current one in order to keep it running. This is a clear violation of my rights. Again, I asked both XXXX and the credit bureau to send me documentation and it was not done. Each time I contacted XXXX they simply say that they will send it and then they dont. In regards to the credit bureau they simply say the investigation is completed. 
XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX Phone : XXXX Amount reported : {$45000.00}, {$45000.00} also said a portion was charged off.
Consumer complaint received 2017-10-22
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (FL)

UNDER THE CREDIT CARD XXXX, I WAS SENT A NEW CARD IN XXXX I NEVER USD IT TILL XXXX TO PURCHASE A WASHER A DRYER I WAS TOLD TO COME INTO THE STORE TO ORDER IT DUE TO THE COMPLEXITY OF THE ORDER I GAVE UP ALL MY INFOMRATIO INCLUDING SOCIAL SECURITY NUMBER AND EMAIL ADDRESS, SINCE THAT TIME, MY CARD HAS BEEN ATEMPTED ON FRAUDULENTLY FOR ONLINE PURCHASES, CASH WITHDRAWALS, REPEATEDLY ; I WAS IN XXXX WHEN THE FIRST TIME IT HAPPENED NOT EVEN XXXX WEEKS AFTER PURCHASING THE WASHER AND DRYER. tHE STORE XXXX PUT ALL MY INFORMATION ON A PIECE OF PAPER IN A BOOK THERE WAS A CASHIER THERE ALSO AT THE TIME, HE PUT THE BOOK UNDER THE REGISTER NOT LOCKED UP REALLY??? HAPPENED RIGHT ON MY BIRTHDAY, XXXX I REQUESTED A NEW CARD, IT HAPPENED AGAIN IN XXXX, AND AGAIN IN XXXX, AFTER RECEIVING THE NEW CARDS. I CONTACTED SYCRONYBANK, NOT MUCH HELP OR FAITH, SAID NO MONEY WAS EVER ACCESSED BECAUSE ALL ATTEMPT WERE DENIED SO THERE WAS NO FRAUD THE MOST RECENT ATTEMPT IN XXXX SHOWD SOMEONE TRYING FROM DELAWARE, VIRGINIA AND TEXAS STORES. I AM PRETTY SURE INSIDE THE XXXX FRAMEWORK, MY INFORMATION HAS BEEN COMPROMISED. I ENDED MY 30 YEAR RELATIONSHIP WITH XXXX AS A RESULT OF THIS, I STILL BELIEVE THE BANK IS FRAUDULENT AND THEY NEVER GAVE ME THE DETAILS OF THE ATTEMTPED USE AS I ASKED IN ANY OF THESE OCCASIONS. I REQUEST THIS BE INVESTIGATED I WILL BE POSTING THIS ON XXXX I REQUEST A WRITTEN RESPONSE IS REQUESTED FROM YOU,,, OH YES WHEN I WENT TO REPORT IT TO THE XXXX POLICE THEY DENIED MY COMPLAINT TO INVESTIGATE AFTER XXXX TOLD ME TO REPORT IT, STATING NOTHING WOULD BE FOUND OUT, REALLY WITH ALL TTHE CAMERAS, AND XXXX KNEW WHERE ALL THE STORES IN XXXX WERE ACCESSED AND WOULD NOT TELL ME ANYTHING AS I WAS GOING TO INVESTIGATE IT MYSELF. I AM SURE I AM NOT THE ONLY XXXX THIS HAS HAPPENED TOO
Consumer complaint received 2017-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

XXXX XXXX 2017 I was checking my wife phone when she was on XXXX cause it was n't working right so I call XXXX and the person said I was been hacked so he said he 'll fix it so I let him in to fix it, I did n't know it was a hacker I was talking too, the next day I put money in the bank and I notice all my money was gone in my checking and saving account, I told the bank and went to the police and got a police report show it to the bank I had to between 30-60 days for an answer after 5 weeks the bank told me I would n't get my money back cause I let the hacker in to fix my laptop so I lost {$1300.00}
Consumer complaint received 2024-08-27
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. (CA)

According to law 15 USC 6802b and ( c ) - the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

18 USC 1028A - Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such XXXX, be sentenced to a term of imprisonment of 2 years. 

XXXX XXXX XXXX never sent me a notice or chance to opt out to have my information shared with non affiliated third parties. Neither did they provide a written letter with my original signature to have them share my information with non affiliated third parties. All that was sent from them in their response was a document that I never received that stated they would share my account with non affiliated third parties. 


I would like for this information to be corrected or I will exercise my rights against XXXX XXXX XXXX  for each consumer law that they are breaking.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.