davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-17
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. (IL)

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 2023-07-17
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. (VA)

I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my credit history.
Consumer complaint received 2023-07-17
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. (NY)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. These accounts should not be furnished on my consumer report as they are in VIOLATION!!! In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S.Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-11-06
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. (GA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report due to a recent data breach. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), which entitles me to have fraudulent information blocked from my credit file.

The following accounts were fraudulently opened in my name and should be removed from my credit file : Fraudulent Accounts XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$9400.00} XXXX. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$27000.00} XXXX. XXXXXXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$6000.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$680.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$9500.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XXXX XXXX, XXXX - {$0.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$77000.00} XXXX. XXXX XXXX - XXXX - XXXX XXXX, XXXX - {$0.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$150.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$38000.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$460.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - XX/XX/XXXX - {$77000.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$300.00} Unauthorized Inquiries XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-02-05
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (NV)

I let the company know that I refuse to pay and that I disputed the debt. They let me know they were see the dispute, but they are unable to resolve my dispute due to needing additional information for me so at this time I would like this collection cease and desist all collection attempts. 


REQUEST TO CEASE AND DESIST DEBT COLLECTION ATTEMPT To Whom It May Concern : On XX/XX/2024, I was contacted by Jefferson Capital Systems XXXX regarding an alleged debt owed. Be it known, that I hereby dispute the validity of said debt. I want to know if an attorney has reviewed this account. 

In accordance with the Federal Fair Debt Collection Practices Act, XXXX XXXX XXXX, you are hereby notified to CEASE AND DESIST any and all further attempts to collect this alleged debt. I will work directly with the alleged original creditor XXXX XXXX XXXX, to resolve this matter, as warranted. Please take note that I am declining any attempts by XXXX XXXX or any other collection agency with regards to this matter. 
In addition, you are hereby requested to inform and/or remove from any reporting agencies this alleged debt that is currently in dispute. I will require documentation that you have complied with this request. 
You are also requested to CEASE AND DESIST contacting me with regards to this matter, unless it is to notify me via XXXX mail that you will be terminating all attempts to collect this alleged debt. 
Sincerely, ( XXXX XXXX )
Consumer complaint received 2024-02-06
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: United Revenue Corporation (TX)

This is in response to complaint XXXX. United Revenue failed to provide documentation presenting any liability I have with them. The alleged debt with XXXX  XXXX is inaccurate. I have not held a balance of {$980.00} with the original creditor, nor do I owe a balance to United Revenue. Furthermore, United revenue failed to provide their license to collect debt in the state of Texas. I was not presented with the forward flow agreement which I have this right as a consumer. When a debt is sold, the consumer is to receive correspondence via mail, which was never the case. I also wish to emphasize that, even if this were my account, I have never received any correspondence, such as a 1099-C, which would allow me to audit the reported information. As per the IRS guidelines, I have the option to file Form 3949a for illegal tax violations, and I sincerely hope it does not come to that. Any liability that was held with XXXX XXXX  has since been satisfied. I will be moving forward with legal action if this account is not removed from my XXXX report within 7 business days.
Consumer complaint received 2023-07-17
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. (NY)

XXXX XXXX  was fraudulently open in my name in XX/XX/XXXX This occurred during the time of my identity being compromised. After discovery I contacted creditor to make aware of the fraud. I advised them of the identity theft. They then proceeded to close the card to prevent it from further use. At this time, I contacted the bureaus to have them aware of this. I put fraud alerts, froze my file, also contacted identity monitor along with filing law enforcement report, CFPB as well.I thought I was ok. Years passed, I realize its still reporting to my credit. XXXX BANK CARD DID NOT CLOSE MY ACCOUNT AS PER DISCUSSION, THEY CLOSED IT OFF AS A CHARGEOFF AS A BAD DEBT AS IF I WAS LIABLE FOR THESE CHARGES. THEY WERE AWARE OF FRAUD, ITS WHY THEY CLOSED CARD POST INITIAL INTERACTION. I AM COMPLAINING TO DISCOVER CARD AND XXXX, XXXX, EQUIFAX XXXX SHOULD HAVE REMOVED IT DUE TO FRAUD. SHOULD DELETE, THIS IS FRAUD! XXXX IS FALSELY REPORTING ON MY CREDIT, ILLEGALLY FRAUD!
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

Identity Theft and Credit Reporting Discrepancies Complaint I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding ongoing issues related to identity theft and inaccuracies on my credit reports. Last year, I discovered unauthorized inquiries and accounts on my credit reports, leading me to file a report with the Federal Trade Commission ( FTC ) on XX/XX/XXXX. 

Despite my efforts to rectify the situation, there has been no correction to the derogatory marks on my credit file that do not belong to me. I have contacted each credit bureau consistently from XXXX to XX/XX/XXXX to address and resolve these issues, but unfortunately, no progress has been made. 

In a recent call with XXXX on XX/XX/XXXX, I was informed that they have not received any of my disputes, even though I provided evidence to support my claims. This evidence includes proof of my FTC complaint from XX/XX/XXXX, as well as previous CFPB complaints filed last year. 

This ongoing situation has hindered my ability to obtain credit, and the lack of response and resolution from the credit bureaus is deeply concerning. I request the CFPB 's intervention to investigate this matter and ensure that the necessary corrections are made promptly. Thank you for your attention to this matter.
Consumer complaint received 2023-07-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA (IL)

Subject : Notice of Dispute - Repossession of Vehicle under SCRA and Request for Remedies Dear Hyundai Motors Finance, I hope this letter finds you well. I am writing to dispute the repossession of my vehicle, XXXX XXXX, XXXX, which occurred on XX/XX/XXXX. As the spouse of an active service member, I believe that my rights under the Servicemembers Civil Relief Act ( SCRA ) have been violated in this instance. 

Pursuant to Section 3952 of the SCRA, I have the right to be protected from repossession without a court order if I meet the following criteria : 1. I purchased/leased the aforementioned vehicle prior to entering XXXX XXXX XXXX 
2. I made a deposit or installment payment on the vehicle prior to entering XXXX XXXX service. 

Based on the abovementioned criteria, I am confident that I am entitled to the protections provided by the SCRA, and the repossession of my vehicle without a court order is a direct violation of my rights. 

I kindly request that you take immediate action to rectify this matter by : 1. Ceasing any further attempts to collect the debt associated with the repossession of my vehicle. 
2. Returning my vehicle to me, free of any damages or charges incurred due to the repossession. 
3. Correcting any negative reporting on my credit file regarding this repossession incident. 
4. Refunding any fees or costs associated with the repossession and subsequent legal proceedings. 

I expect a prompt response to this letter, acknowledging your receipt and acceptance of my dispute, within XXXX days from the date of this letter. It is imperative that you provide a formal written response detailing your proposed resolution or any additional information required to proceed with this dispute. 

Failure to comply with the SCRA and address this issue in a timely manner will leave me with no choice but to explore all available legal remedies to enforce my rights, including but not limited to pursuing a lawsuit for violations of the SCRA. 

I have enclosed copies of relevant documentation, including proof of marriage to the XXXX XXXX XXXX the vehicle purchase/lease agreement, and evidence of payments made prior to entering XXXX XXXXXXXX XXXX, to support my claim. Please review these documents carefully before formulating your response. 

Thank you for your immediate attention to this matter. I trust that you will promptly resolve this dispute in accordance with the rules and regulations set forth by the SCRA. I request that all future communications regarding this issue be in writing and sent via certified mail to ensure proper documentation. 

Yours sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-07-17
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: Receivables Management Partners, LLC (IL)

Company RMP LLC Keeps calling about a debt I suppose to have and if I don't pay they will take me to collection. If I answer they hang up, if I call back they answer but don't say anything just stay breathing on the phone. If I don't answer they keep leaving voice-mails ( I have like XXXX! ). Their phone number is XXXX XXXX. I have my phone number on the do not call list and that not even help.
Consumer complaint received 2023-07-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION (NC)

DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. & & 1601, 1692 et seq, this constitutes timely written notice that I decline to pay the attached erroneous purported debt which is unsigned and unattested, and which I discharge and cancel in its entirety, without dishonor, on the grounds of breach, false representation and fraud. 

15 U.S.C. & 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice.
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

Original card, invoice, and all communications were being sent to wrong address ( a shipping address on my Amazon account ). Phone number and email address were wildly incorrect. 
Sent payment through bank bill pay service, this has been accepted before but check was returned to bill pay service through XXXX bank. Credit card issuer can not comment, transaction ID bank provided doesnt show in their system. No further info provided from credit card issuer of why they refused payment. 
Payment was of course considered late. SYF lowered credit amount, both actions reported to credit reporting agencies. Called to discuss, supposedly removed late fee and corrected problem. 
Late fee was still there and now another for XXXX. 
Sent payment directly on the issuers website since bill pay paper check was refused, creditor decided to remove all available credit, report to agencies and account is flagged while they verify the payment to decide it is not fraudulent. 
There is no prior history of returned checks ( unpaid ) or other payment problems not created by the card issuer. 
My credit report has been negatively affected by this random and uncalled for payment verification process. They claim there is no escalation, no process to dispute, no reason in their records specific to my situation but a long paragraph of reasons it could happen. 
This seems to be in violation of my rights and it is definitely affecting me in a negative manner. 
The payment they sent back uncashed was for {$120.00}. The payment made on their website was for the total amount due approximately {$200.00} leaving a XXXX balance. I had {$16.00} rewards available and the credit limit was originally {$400.00}. Each month I paid all or most of the total amount due not carrying a balance.
Consumer complaint received 2023-07-17
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: EQUIFAX, INC. (VA)

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 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately 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 2023-07-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: REGIONS FINANCIAL CORPORATION (LA)

comdata charged my card a charge of XXXX and one of XXXX, I had to call multiple times to try and get the problem resolved. They keep insulting me by hanging up the phone, after long periods of holding and waiting. I sent them enough proof to return the money, but now they want to close my m accoun from they mistakes.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XX/XX/XXXXXXXX  To Whom It May Concern : XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose non public personal information to a nonaffiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that nondisclosure option. The Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality, and a respect for the consumers right to privacy XXXX XXXX XXXX /XXXX XXXX Capital One, XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15USC 1681 section 604 a section 2 states that In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXXXXXX XXXX XXXX/ XXXX XXXXXXXX, Capital One, XXXX XXXX XXXX XXXX the financial institution and the consumer reporting agencies, XXXX XXXX XXXX and XXXX do not have my consent to report my information. Any and all consents to XXXXXXXX XXXX XXXX/ XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX Capital One XXXXXXXX XXXX XXXX XXXX and XXXX whether verbal, non-verbal, written, implied or otherwise is revoked. The Privacy Act of 1974 recognize XXXXXXXX XXXX XXXX/ XXXX XXXX, Capital One, XXXX XXXX XXXX XXXX did not inform me of my right to exercise my nondisclosure option. Conditions of DisclosureNo agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of the individual to whom the record pertains, 15 USC 1681C ( a ) ( 5 ) says Except as authorized under subsection ( b ), 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. Code 1681a ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting transaction history is illegal.