davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-06
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: Second Round Limited Partnership, Austin, TX Branch (NV)

Dear CFPB, I am seeking help, my rights have be violated as per 809.Validation of debts Credit Reporting Act ( FCRA ) XXXX 15 U.S.C. 609 and Fair Debt Collection Practice Act ( FDCPA ) 809 ( B ) by XXXX  & XXXX  regarding the reporting by Second Round LLC. I sent a letter of validation in response to the letter notice of payment by Second Round LLC. XXXX  & XXXX  has NOT conducted a proper investigation. XXXX  & XXXX  failed to properly respond to my letter with specific request for method of validation and has since now to put erroneous and inaccurate information on my credit report. Second round LLC has failed to report to XXXX  that this matter is in dispute prior adding it onto my credit report and by law can not pursue any credit reporting agency until the matter is resolved. XXXX  / XXXX  & Second round LLC has not legally validated this debt as per required by theFair Debt Collection Practice Act ( FDCPA ) 809 ( B ). A credit card statement is not a legal validation of debt as It is Not A CONTRACT. Second Round LLC has failed to produce any contract or ownership or legal assignment / transfer and or legal affidavit purchase of the debt. XXXX & XXXX  failed to properly obtain any such agreement in its investigation while clamming the account was verified by a " Statement page '' Reporting it as actual fact. Seeking Interest of fees without a contract is a violation of the FDCPA. Reporting inaccurate information is a violation as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 609 and Fair Debt Collection Practice Act ( FDCPA ) 809 ( B )
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Accurate Background (MA)

The company Accurate Background at XXXX XXXX XXXX XXXX in XXXX, CA provided completely innacuate information to a potential employer and refuse to take accountability. 

The information that they provided was incorrect, and the process to fixing this situation has been extremely difficult. Multiple employees have lied directly, as well as, indirectly. 

I was specifically told that I would receive documentation explaining the specifics of the mistakes that were made. It has not happened. 

Accurate Background informed the employer that I have a " criminal record ''. Their report showed that the disposition was " still pending ''. Neither of these were correct. The case was closed on XX/XX/2018 and the disposition was an infraction. Even if I was guilty of crime, which I was not, how could I have a " criminal record '' without a conviction? Either way this matter is looked at, this company has caused damages that are irreversible. Truly damned if I did, and damned if I didn't. 

They are refusing to provide documentation describing their fault in this matter, even after numerous promises. Multiple employees have provided poor, unreliable, and false information. Some employees seemed to create department names, and position titles, and other employees stated those departments and titles did not exist. My best inference is that these employees simply do not want to do the job that are employed with. There are hours of recording that exposes this downright scary, and possibly unconstitutional business practices. They are completely incapable of effectively providing this service. They have tried to place blame on the courthouse. The courthouse clerk has stated and verified twice that it has been filed correctly since 2018, and that possibly someone is misinterpreting the reports on Accurate Background 's behalf. I was told multiple times that they have contacted the clerk, but can not offer a name, and that Accurate is at " their mercy ''. The clerk stated on multiple days that this never happened. I believe that the clerk is 100 % telling the truth. 

I have spent hours, and hours of time, trying to resolve something that is absolutely pertinent to my survival, and to no avail. Over a week has elapsed, regarding something that could be resolved in minutes with a phone call to county courthouse clerk.
Consumer complaint received 2023-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

has violated my rights. Or list of inquiries 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 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NC)

There are currently 5 Dep of Ed/Nelnet student loan closed accounts reporting negatively on my XXXX credit report. Around XX/XX/XXXX I was able to get the Dep of Ed/Nelnet student loan accounts REOPENED and CURRENT with Dep of XXXX XXXX but the 5 Dep of Ed/Nelnet student loan accounts that are closed are still reporting negatively on my XXXX credit report. 

Between the Dates of XX/XX/XXXX - XX/XX/XXXX I have disputed with XXXX and Nelnet multiple times via telephone and mail to have the closed student loan accounts removed, but XXXX and Nelnet refuse to remove the 5 Dep of Ed/Nelnet student loan accounts that are closed and reporting negatively XXXX is the only credit reporting bureau that is reporting the Dept of Ed/Nelnet as closed and negative even though in XX/XX/XXXX the accounts were REOPENED and now CURRENT with Dep of Ed/XXXX  I have disputed with XXXX using Consumer law and most recently XXXXXXXX XXXX XXXX
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I request that you eliminate the erroneous late payment from my account. Given my track record of timely payments, it is unjust for me to be penalized for an error that is beyond my control.
Consumer complaint received 2023-07-31
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: ALLIANT CREDIT UNION (IL)

On about XX/XX/XXXX I received a letter from " XXXX XXXX, '' Alliant dispute analyst, telling me they had " insufficient written evidence '' to maintain the credit on my account for a dispute against XXXX for {$64.00}. The dispute was because the item I purchased was not as advertised. When I called today, XX/XX/XXXX, the agent who I spoke with refused to transfer me to XXXX " XXXX, '' and told me that the reason the dispute was not honored was that I allegedly did not provide written proof of the request to return in response to a phone call from XXXX XXXX. 

However, on XX/XX/XXXX at XXXXXXXX XXXX, I had emailed Alliant this precise information. I explained this to the agent, but they refused to connect me to XXXX " XXXX '' and more importantly refused to honor the dispute.
Consumer complaint received 2023-07-31
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation (TX)

Name : XXXX XXXX DOB : XXXX SS : XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Phone : XXXX Companies involved : Bridgecrest Account Number : XXXX XXXX XXXX XXXX I received last communication from Bridgecrest XX/XX/XXXX Stating I owed {$14000.00} on a repossessed car. 

on XXXX I had phone communication with Bridgecrest and they stated that the last reposted total was {$10000.00}, they would not not give me a date on this. I asked for a statement to be mailed to me and they stated it was no longer in their hands as they had written if off. 

All credit bureau 's and XXXX report we owe {$24000.00}. As of XX/XX/XXXX We have tried talking with XXXX with little to no response over the last 5 years. They are not willing to settle for anything other than the {$24000.00} amount to which I believe is not correct, they are not willing to correct the amount or look into the possibility of the discrepancies. I have asked for statements to also be mailed to show what all they are collecting. I have never received anything.
Consumer complaint received 2023-07-31
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. (UT)

XX/XX/23 Experian stated Per your request to conduct a reinvestigation, we contacted the data furnisher ( s ) for disputed items on your Experian credit report and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the remaining disputed information was accurate as reported. Other aspects of the disputed item ( s ) may have also been updated by the data furnisher ( s ). The results summary was sent to you for review. Under 15 U.S.C. 1681 I request proof of the furnisher name and business. This is a stall tactic that Experian claims to have verified. I'm not credit repair company nor hired one. The only furnisher of this information is the federal bankruptcy courts. EXPERIAN ALREADY REMOVED 4 INACCURATE BANKRUPTCY INFORMATION FROM MY CREDIT REPORTING BUT CLAIMS THIS IS ACCURATE FROM THE FEDERAL BANKRUPTCY COURTS. HOW CAN YOU REMOVE Experian remove 4 OUT OF 5 AND CLAIM 1 IS ACCURATE? THIS PROVES TO BE A LIE FROM EXPERIAN Once again!
Consumer complaint received 2023-07-31
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. (TX)

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

The letters are stated with items and issues.

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 2020-02-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Choice Money Transfer, Inc. (NJ)

On XX/XX/2019 I gave XXXX {$1500.00} dollars to be sent to XXXX to a bank. The money has not reach my bank account. I spoke with XXXX several times during the month of XXXX and the only answers I go from her was : There was a delay with the transmit ion, please check with your bank. I kept going to the the agency to inquire about my {$1500.00} dollars until late XXXX when the agency closed down. I also contacted the manager 's office and I was told to go back to a place that was closed down. I filed a police report ( attached ) Please advise!
Consumer complaint received 2023-07-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was scammed by a moving company to send a deposit for a long distance move in XX/XX/2023. I sent monies to another BOA account. Only to discover on the day of the move ( XXXX XXXX ) no movers. XXXX XXXX XXXX XXXX XXXX has not answered the phone since. This is not a real business. I put on a fraud claim to BOA for the scam and today they told me it was denied because they couldnt recover the funds. Because we both are with BOA it seems as if the bank doesnt want to take the loss. But I should not be punished because the scammer also has BOA. When someone is scammed, they are suppose to give them the money back/make the other account negative if need be. I received NO SERVICES WHATSOEVER
Consumer complaint received 2024-10-24
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. (NC)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-11-17
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. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX OF XXXX XXXX XXXX XXXX XXXX OF 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 2023-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ZIONS BANCORPORATION (AZ)

The company responded that I " ... ..did not have conversion agreement in place ... ... ..prior to receiving the funds ... '' That is because the Bank did not give me that opportunity. The Bank simply, in the dead of night, accepted the XXXX XXXX, even though I do not have a XXXX XXXX account with them. If they had my best interests in mind, they would have contacted me and asked me if I wanted a conversion agreement. Do they honestly believe that I would have agreed to pay a {$90000.00} fee for a simple foreign exchange transaction? Do they believe that any court would not agree that this misappropriation was egregious gouging. They failed in their fiduciary duty to me and they continue to hide behind the small print in their documents, non of which was explained to me when opened the account.
Consumer complaint received 2024-10-31
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. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXXXXXX 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 2020-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am locked out of my online credit card account with Capial One. Without access to my online account, I can not review and verify the charges, make a payment and, most important, close this account. 

For, " security '', they now require the consumer provide a cell phone number registered iin the USA and in the card owner 's name. After entering in username and password the phone receives a numerical code to be entered to complete the login. That is now a problem for me as I am a XXXX that travels internationally 10 months a year and do not possess such a cell phone. However, in the past I was allowed to receive this code at a USA-based relative 's landline. The relative would then forward the code, I would enter it and obtain access. 
On approximately XX/XX/2020 I was locked out while in Hawaii. I called them and after a one hour conversation they agreed that once again they would send the code to the above described landline and that the problem was permanently resolved. They were wrong. 

On XX/XX/2020, i was locked out while in the XXXX. Their, " toll-free, collect international number '' is not valid from the XXXX! 
I then spent {$20.00} to buy minutes to call on a local cell phone. They would not send the code, as they have in the past, to my relative 's landline. The representative unlocked my account but it would still not accept my password. The screen directed me was to call yet another telephone number which like their other number, was not accessible from the XXXX. 

I need accces so that I can verify the charges and also to cancel this card with the idiotic, " security '' features which I no longer use. The absurdity of their system is although I am locked out and can not review the charges, the card can still be used. This means if unauthorized use has taken place I can not know this. 
If I can not access my account I will not make any payments until XX/XX/2020 when I return to the USA from XXXX. 

Thank you XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting 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. (AL)

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 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern : I received a copy of my credit report and found the following items ) to be in error : The High Balance is inaccurate. The following personal information is ( incorrect, inaccurate, incomplete, unverifiable, etc ) Please ( remove/update ) this account from my credit report By the provisions of the Fair Credit Reporting Act, I demand that these 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, 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report, I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. Sincerely,
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: ClearOne Advantage, LLC (TX)

CLEAR ONE ADVANTAGE : I spoke with a representative from Clear One Advantage in XXXX of XXXX. At that time, based on my debts, they estimated that I would pay {$10000.00} and I would be done with the program in XXXX of XXXX. As of now, XX/XX/XXXX, I have overpaid their estimate by {$8800.00} and still have three creditors that they haven't even reached a settlement agreement with yet. By the time I'm done, it will have cost me over {$12000.00} more than what the estimate was and it's taking at least 10 months longer. I understand that it was an estimate. However, they have been in business for 16+ years and have worked with these creditors many times over. The estimates that they give are significantly lower than the reality to make it seem like a better option than it really is. I used their chat feature to speak with one representative of the company and spoke with another on the phone.