davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery Solutions Group, LLC (CA)

I sent a replay email from this company Recovery Solutions Group LLC stating that I have to pay this alleged debt and I had sent multiple mail and emails letter asking for a contract stating that I signed this contract and I'm obligated to pay this debt and now they are enforcing a UCC lien of my personal property assets to obtain the amount of the alleged debt owed and the original creditor already file with the IRS form 1099c and acquire a 3rd party from XXXX XXXX XXXX to enforce alleged debt with the UCC Lien file
Consumer complaint received 2024-09-24
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Federal Adjustment Bureau, Inc. (OH)

Account reporting under collections. I do not recall and feel they are attempt to collect a debt that is not mine. I have asked for proof that the debt is mine, and was advised that they have a contract with me in regards the debt they were attempting to collect, but would not provide me with any type of proof this is in fact mines. 

I would like the company to provide with all information on this as I truly feel the this is fraud and needs to be removed from my credit report. Company has failed to response to my request and would like some help on getting them to validate the debt for me.
Consumer complaint received 2024-08-26
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. (PA)

I am reaching out to address several issues I've experienced with the credit bureau, including incorrect account listings, unauthorized inquiries, inaccurate credit reporting, and billing errors. I need assistance in resolving these matters to safeguard my financial security.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CO)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have repeatedly disputed the accuracy of the information related to the a collection account with XXXX XXXX XXXX, in the amount of {$990.00} with an original balance of {$1000.00}, with XXXX, TransUnion, and XXXX but the inaccurate information remains on my credit report. Specifically : XXXX XXXX : The reported balance of {$990.00} and the original balance ( {$1000.00} ) is inaccurate. There were 14 month 's worth of payments on this account. My original credit limit with XXXX Bank was lower than the amount reported, and my first payment was made immediately, which should have further reduced the original balance. In XXXX and XXXX, I requested the original purchase agreement, along with complete record of payments made and did not receive it, from XXXX XXXX and XXXX. 

Outdated Collection Account : The debt in question is an " open account '' beyond the statute of limitations for collection under Louisiana Civil Code Article 3494, which specifies a three-year statute of limitations for such debts. The last payment was made in XX/XX/XXXX, making this account time-barred and no longer eligible for collection or reporting. 

Despite providing clear evidence of these inaccuracies in previous disputes, XXXX, Transunion, and XXXX have failed to correct the information on my credit report. This ongoing failure to maintain accurate information is a violation of the Fair Credit Reporting Act ( FCRA ). 

Relevant Federal Law : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires that credit bureaus conduct a reasonable investigation into disputed information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) : Requires that furnishers of information update and correct inaccurate information provided to credit bureaus.

15 U.S.C. 1681e ( b ) : Requires that credit bureaus maintain accurate and up-to-date information on consumers credit reports.
Consumer complaint received 2024-08-26
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. (IL)

Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2024-09-24
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc. (KY)

In according with the FAIR CREDIT REPORTING ACT. Account number XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 SECTION 602 A. STATES I HAVE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC 1681 i SECTION 5 CREDIT REPORT INFORMATION HAS TO BE ACCURATE, XXXX XXXX XXXX XXXX NEVER SENT TO ME ALL I REQUEST TO THEM IN A VALIDATION DEBT LETTER, THEY NEVER SENT TO ME XXXX  XXXX XXXX TO COLLECT ANY DEBT IN MY STATE EVEN THE FULL AMOUNT ON THIS COLLECTION IS NOT ACCURATE PREVIOUS REPORT NUMBER XXXX FROM THIS WEB SITE CFPB, THEY NEVER SENT INFORMATION I REQUESTED AND KEEP THIS COLLECTION IN MY REPORT, THIS IS ILLEGAL, IS A FEDERAL CRIME
Consumer complaint received 2024-09-24
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: American Credit Acceptance, LLC (TX)

I am writing to formally dispute the following inquiries on my credit report, which are unauthorized and fraudulent : - XXXX XXXX XXXX XXXX ( Multiple inquiries on XX/XX/XXXX- XX/XX/XXXX ) - XXXX XXXX XXXX ( XX/XX/XXXX, and XX/XX/XXXX ) - XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX XXXX  ( XX/XX/XXXX ) - XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX, XXXX ( XX/XX/XXXX ) - XXXX XXXX XXXX  XXXX XXXX ( XX/XX/XXXX, and XX/XX/XXXX ) - XXXX  XXXX XXXX ( XX/XX/XXXX ) I spoke with a representative from XXXX, who informed me that the reporting income was tied to an employer, *XXXX* XXXX with whom I have never been employed. This information is not only inaccurate but also fraudulent. 

I have already contacted all three credit bureaus ( XXXX, XXXX, and XXXX ) to request the removal of these inquiries. I am asking that these fraudulent inquiries be removed from my credit report immediately.
Consumer complaint received 2024-08-26
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-26
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)

Dear Credit Bureau My name is XXXXXXXX XXXX XXXX XX/XX/XXXX Social Security Number XXXX. I pulled my credit report on XX/XX/XXXX. 

I reside at XXXX XXXX XXXX XXXX XXXX, FL. 

I noticed some accounts that I didnt authorize or approve which total in over XXXX of debt. 

Please remove the unauthorized account from my file : XXXX XXXX XXXX : {$4600.00} XXXX XXXX XXXX XXXX  : {$8200.00} XXXX XXXX XXXX : {$9900.00} Please send me an updated copy of my credit report. 

Thank you, XXXX XXXX
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

In accordance with the Fair Cred : Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 
They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report as well
Consumer complaint received 2024-08-26
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'm really not sure what happened. I have mailed off letters to the credit XXXX  continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I have never lived at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and the account that they are stating that was open in my name without my permission or knowledge is a fraud account and I have requested that they remove this from my credit report a number of times and they refused to do so. I will be seeking a lawsuit under 15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES 1692d. Harassment or abuse 1692e. False or misleading representations 1692g. Validation of debts Not providing validation of the debt when I first requested it so that I could prove that the account was not mine and never open by me.

1692f. Unfair practices.

Also, under 15 U.S. Code Subchapter III - CREDIT REPORTING AGENCIES 1681n. Civil liability for willful noncompliance 1681o. Civil liability for negligent noncompliance.

They had five days from my first request to prove me a copy of the validation of the debt and they never did so with my first request therefore they can not use this time to provide it to me and must remove the account from my credit report. 


I am requesting that they remove this account from my credit report and provide me validation of the debt as stated in 15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Consumer complaint received 2024-09-24
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

I receive XXXX of countless calls from CBHV ( Collection Bureau of Hudson Valley ). They have used XXXX different numbers over the past year to collect for my XXXX XXXX XXXX, in which I am directly dealing with XXXX and paying when worked out with them.
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/XXXX my cell phone was hacked. They hacked into my Wells Fargo bank account and transferred {$XXXX}. XXXX called to report suspicious activity but now XXXX weeks later they are denying any fraud on the account and closing the claim.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Home Loan Center, Inc. (OK)

XXXX XXXX charge off for 2 accounts XXXX of XXXX, 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. As law 15 USC 1681b states credit agencies must have written instructions from myself giving permission to allow reports to go on my report, therefore was not permitted by me, I ask that this company verify and written permission stating of my permission. As law 18 USC 1028A XXXXXXXX XXXX and any other report has used my personal information without lawful authorization.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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 XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) 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 2024-10-25
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/year>, I was charged {$140.00} by XXXX for a defective item that I attempted to return. Despite clear evidence of the items damaged condition, XXXX refused to accept the return or issue a refund. After multiple attempts to resolve the matter directly with XXXX, I filed a dispute with Capital One ( XXXX XXXX : XXXX ). Although Capital One initially provided a temporary credit, they rebilled the charge on XX/XX/year>, despite the ongoing dispute and continued submission of evidence demonstrating the merchants failure to fulfill its obligations. 

Additionally, on XX/XX/year>, I was overcharged {$27.00} by XXXX for an item that was advertised at a lower price. California XXXX XXXX XXXX XXXX XXXX XXXX mandates that consumers be charged the advertised price, which XXXX refused to honor. I raised the overcharge with XXXX immediately, but after they failed to remedy the situation, I escalated the dispute to Capital One ( XXXX XXXX : XXXX ). Despite the clear documentation I provided, Capital One rebilled the charge without adequately investigating the merchants violation of state consumer protection laws. 

Under the Fair Credit Billing Act ( FCBA ), Capital One has a legal obligation to conduct a thorough and independent investigation of disputes and to protect cardholders from improper or unauthorized charges. I escalated both disputes to XXXX XXXX XXXX XXXX XXXX and uploaded all supporting documentation, yet no satisfactory resolution has been reached, and the charges remain rebilled to my account.
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (GA)

I was scammed in my checking account of {$XXXX} from dispute charges i did not do in XXXX, and the branch XXXX of PNC on XXXX XXXX XXXX XXXX, XXXX  XXXX refused to service me because of my appearance. He specifically asked if I could put on a different outfit or a long shirt over my nice brown dress I had on. He stated that I was making some of his employees uncomfortable due to my outfit which is discrimination. He told me he would call before the bank closed and never followed through. That was on XX/XX/year> Today is XX/XX/year> and I will once again try to go to the same branch and get my account fixed with my proper funds. I am a XXXX  XXXX XXXX majoring in XXXX  and that money was being used for school and basic human needs. Now I have no funding and I am in deep emotional distress because the bank was more worried about my outfit than helping me fix my account. Little does that XXXX know who was discriminating against me is that I suffer from mental health disorders and have constantly been bullied and targeted by judgmental people most of my life and that triggered me mentally. Being judgmental in a professional space when someone is seeking help respectfully is inappropriate especially a bank. What a person wears or what a person looks like should not determine what kind of treatment they should be given. We are all human, and all humans deserve respect and decency.