davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-20
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: CREDIT ACCEPTANCE CORPORATION (MI)

On XX/XX/XXXX Credit acceptance received my letter regarding law violations for reporting my information to the credit reporting agencies without my consent. 

The reporting of this account is in violation of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 


I am writing in regard to the above-referenced account/s and transactions. This vehicle was purchased at XXXX XXXX XXXX, in XX/XX/XXXX. 

I have recently come across information from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 USC 6802 obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) 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. 

Credit Acceptance did not disclose this information to me that is required by federal law.

Credit Acceptance knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties.

Credit Acceptance knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option.
Consumer complaint received 2022-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

XX/XX/XXXX complaint to credit bureau of an account in the name of XXXX XXXX XXXX on my credit report. 
XX/XX/XXXX same account reappeared on my credit report and put in a second complaint with XXXX 

Current cease and desist at time of complaint. 

Fdcpa violations Continues to collect a debt not owed as it is not in my name and someone elses. As well as attempts before cease and desist. 

Improper contact or sharing of anothers account by phone and by mail. ( Only verification was using first name and last name and no other identification to validate debt with correct owner. ) Calls and mail collection harassment : continued calls and collection letters for a debt that is not in my name. Some robocalls or duplicate calls within a couple minutes of each other by the company in the begging of trying to collect. Even beyond the cease and desist. Current collection letter dated as of XX/XX/XXXX. And a call made on XX/XX/XXXX. 

Discussion of another persons debt by a collection company to an individual not associated with that account by phone and collection letters. 

Cease and desist with continued collection efforts by phone and mail. 

Ftc report XXXX Also filed with XXXX XXXX XXXX  and Illinois XXXX attorney office. 

Collection company removed the middle initial on collection letters in the hopes of being able to collect from anyone with that name. 

By midland credit company
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (VA)

I am disputing the validation of this debt under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I request validation under IRS Code 6050P, as no 1099-C was issued. Please investigate and resolve this promptly. ''
Consumer complaint received 2024-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (NJ)

I am sending this letter in response to a letter you sent me. I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act. 
I am disputing this account and requesting a validation of debt in accordance. 
( ( 15 USC 1692g Sec. 809 ( b ) ).

I am NOT requesting a verification but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you.Please provide me with the following information : 1. State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired 6. A valid, legible copy of the agreement stating the debt and interest charges.

If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. 

Thank you.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 1st Franklin Financial Corporation (CA)

I did not give 1st Franklin Financial any permission or permissible purpose to share my information with a 3rd party company like the CRA 's. I have a right to privacy according to 15 USC 1681, 1692, and 6801. My private information such as my personal loan information, should remain private and not shared with a non aliated 3rd party company. 1st Franklin Financial has shared my information and reported my private information without my consent which is classied as aggerated identify theft. I did not give this company permissible purpose to shared or report any of my information on my consumer report. As a consumer 1st Franklin has an obligation to protect my personal non public information. Pursuant 15 USC 6802 1st Franklin is not obligated to report or disclose any nonpublic personal information to a 2rd party company that has no aliation with 1st Franklin unless they provides me a notice that complies with section 6803 of this law/ I have never received any notice from them.
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

Our checking account was debited fortunately in XXXX on and around XX/XX/XXXX totaling {$3000.00}. The charges were in XXXX at a XXXX XXXX. My son who uses that accent was in XXXX with the Atm card and his phone.He was without internet service much of that time and did not get notifications. I filed a complaint with Truist bank, and they stated that the device was present, which was impossible. I made two appeals with the same result.
Consumer complaint received 2022-12-03
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. (NC)

Equifax is reporting XXXX late payments on XXXX of my accounts XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. Pursuant to 15 U.S Code 6802 States that a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any personal information. Equifax is the third party and is in direct violation of this code. This type of reporting is also violating my right to privacy. Privacy Act 1974, Equifax never disclosed to me that I could opt out but assumed I opt in to this negative reporting, THAT IS INFACT IDENTITY THEFT.
Consumer complaint received 2024-09-12
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P. (NY)

LVNV Funding LLC, which bought the debt from XXXX XXXX XXXX  more than 10 years ago received my info, incl. social security. I received a letter from XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, PA, XXXX XXXX dated XX/XX/year>. This is the same date I received a Dark Web Alert from XXXX XXXX ( free credit monitoring from XXXX  XXXX ), which said that my social security number was found on the dark web. About 1 year ago I was informed by XXXX XXXX that my cell phone number was on the dark web. 
I filed a FTC alert for possible identity theft. 
I live on social security and have XXXX FFELP ( XXXX  ) loans.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KY)

XXXX XXXX XXXX refusing to remove debt I am writing to formally file a complaint against XXXX XXXX XXXX XXXX XXXX regarding their debt collection practices. XXXX XXXX XXXX is attempting to collect a debt from me in the amount of over {$2000.00}, which I believe is inaccurate and not owed. 

Despite my repeated requests for validation and clarification of the debt, XXXX XXXX XXXX has failed to provide adequate documentation or proof of the debts validity. Additionally, their aggressive and harassing tactics have caused significant stress and XXXX, impacting my overall well-being. 

I have made efforts to resolve this matter directly with XXXX XXXX XXXX, but they have been uncooperative and unwilling to provide the necessary information to substantiate their claims. Their actions are in clear violation of the Fair Debt Collection Practices Act ( FDCPA ), and I believe they are engaging in unfair and deceptive practices. 

I am requesting that the Consumer Financial Protection Bureau investigate XXXX XXXX XXXX actions and take appropriate measures to ensure that they comply with federal regulations. I would also appreciate it if you could assist in having this debt removed from my record, as I believe it is unjust and unsubstantiated. 

XXXX XXXX XXXX XXXX XXXX. 
Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Direct dates XX/XX/XXXX Sever dates in XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2022-03-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Financial Freedom Mortgage, LLC (NJ)

I have the same complaints others have written to the XXXX  regarding this company. I see no need to repeat as it appears to be a pattern of behavior with them. Approximately during the week of XXXX XX/XX/2022, XXXX XXXX ( VP ) came to our home and lied about the time it would take to apply and close on the loan. He stated approximately two weeks and it has been over a month since any progress has been made other than our having paid {$480.00} for an appraisal that they were quick to have completed. At this time, we still have not received a copy of the appraisal or a copy of our documents that were signed and completed during his visit. My husband has called numerous times and very seldom makes contact with anyone or just receives voicemail. When he does actually talk to the loan officer XXXX XXXX he continues to be given the run-around in having anything completed or sending over a copy of our appraisal. I've been told this is a ploy that is done by some loan officers in order to delay the completion of any refinancing with other companies as the only way we can move forward, would be to pay for another appraisal. This we will not do. If the matter is not settled quickly, we will be contacting our lawyer.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

XX/XX/2022 Report requested by XXXX XXXX XXXX  for a mortgage XXXX  XXXX obtained a report from XXXX XXXX in XXXX, PA. 

The report provided the credit score from each agency, XXXX, XXXX & Experion. 
For each agency there were scoring descriptors that were incorrect and that could not be substantiated by the data. XXXX XXXX was contacted and explained that the scoring model is originated by XXXX XXXX XXXX. 

After contacting XXXX XXXX, XXXX and FICO, no one accepted responsibility for the errors. 

Descriptors used - " level of delinquency on accounts '' " too many consumer finance company accounts '' " insufficient length of revolving credit history '' were inaccurate. 
I have {$0.00} balances, XXXX delinquencies and my revolving accounts have aged beyond 15 years. 

These descriptors impact the credit score which impacts the lending agencies decisions.The data analytics require correcting and the reporting agencies including XXXX XXXX are equally responsible.
Consumer complaint received 2024-09-14
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SANTANDER HOLDINGS USA, INC. (FL)

Hello. my name is XXXX XXXX, I made the honest mistake of helping XXXX XXXX with an auto loan, that was not satisfied. This person was unable to make the required payments for the loan which resulted in the vehicle being repossessed. I had no knowledge of the situation that was unfolding and the resulting damage to my person. I just today found out. After contacting the CFPB and hearing the possible different directions that we are able to go with the issue she states she is willing to pay for the amount owed, including any fees from the repossession. I simply wish to erase this issue from my own credit history and pass over any issues there may be to her person.
Consumer complaint received 2022-03-22
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NM)

I had amazing credit until recently when XXXX reported that I was past due on my payment some time in XX/XX/XXXX '. When I received an alert saying my credit score had dropped I was dumbfounded to learn that my car loan company was claiming I had not made a payment in two months. Upon checking my account through their app I learned my scheduled payments were no longer being applied for reasons even they could not explain so in XX/XX/XXXX ' I promptly brought my account current and while disappoint it had negatively impacted my credit score I assumed responsibility and made sure my correct card info was there and that I'd get alerts should parents not post going forward. Well it happened again for XXXX. To summarize I'm paying my car note from the same account I've been paying from for the last year and despite the funds being fully available and them confirming per their app payment was posted only for several days later to be returned unpayed without any notice or attempts at contacting me either by phone or even an automated alert to which I'm signed up for leaving me to not see this until I am paying the following month. When I contacted XXXX to gain insight on the matter ( sidenote : I had also been having concerns due to the fact I'd been receiving notices someone accessed my account with my login info when I had not logged in myself ) the representative admitted they had been having issues with alerts and could not give me a reason why they were not sending any email or calls about it and that I'd have to dispute the late payment reported on credit. Well I did dispute the first one and didn't get a clear reason why it hadn't been removed. I'm currently trying to buy my first house and obviously this should be detrimental to the ability to qualify for a loan to do so which has already been a struggle for other reason I'm dispute on another claim. It's clear from my bank statement the funds were available to make the payments and recording from XXXX acknowledging them being unsure why it didn't go through either and the representative inability to remove the late payment status as well.
Consumer complaint received 2022-03-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MA)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2024-08-27
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. (CA)

My consumer report contains accounts linked to identity theft, which I never authorized with a written or wet signature. I recently notified your organization about this issue and now formally demand the immediate blocking and removal of these accounts from my report. Their presence has caused substantial emotional and financial strain, misrepresenting my credit history and obligations. If not adequately addressed, I am prepared to pursue legal recourse to defend my rights and seek resolution. These fraudulent entries have impeded my ability to achieve crucial financial objectives, including home ownership and meeting my family 's needs.
Consumer complaint received 2022-03-22
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. (MA)

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 2022-03-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

I opened my work email on XX/XX/22 and discovered 4 emails stating I had opened an online banking account with Bank of America - 1 ) to varify my email 2 ) online application is in progress 3 ) Your application was approved 4 ) Welcome to Online and Mobile Banking No monies were exchanged at this time. I do not have an account with Bank of America
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Opportunity Financial, LLC (VA)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( XXXX ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting