davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX TO WHOM IT XXXX CONCERN IN REFERENCE TO THIS ACCOUNT LISTED BELOW : In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the XXXX XXXX XXXX. 

Convergent Account # XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A states I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

Resolution : Delete this/these accounts unless you want to be held accountable for {$1000.00} per account I WILL PAY ANY FINANCIAL OBLIGATION WHICH I MIGHT LAWFULLY OWE, ON THE CONDITION THAT THEY PROVIDE ME WITH : 1. I NEED THE FOLLOWING VALIDATION OF THE DEBT - THAT IS THE ACTUAL ACCOUNTING 2. VERIFICATION OF THEIR CLAIM AGAINST ME ; THIS IS A SIGNED INVOICE.

3. A COPY OF THE CONTRACT BINDING BOTH PARTIES ( ME AND THEM ), IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT " WITNESS TO IT HAVEING BEEN DELIVERED. '' PLEASE SEND ME THE TRACKING NUMBER AS WELL.

FURTHERMORE I WILL ALSO NEED : 1. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING THE CREDIT WITH MY WET INK SIGNATURE 2. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE 3. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD 4. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT IM NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT.

PLEASE RESPOND BACK WITHIN 15 DAYS OF THIS CERTIFIED LETTER.

IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY DISCHARGED AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECCESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARDED. 


WITHOUT PREJUDICE XXXX XXXX XXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Back in XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX but the attorney filed XXXX XXXX and I withdrew from the filing citing did not agree to any of the terms and condition for XXXX XXXX, as the attorney filed in error. Attached, please find the documents for the Bankruptcy withdrawl. 

I want to file a grievance against Experian because they place Bankruptcy on my file, but I withdrew from the Bankruptcy filing process and procedure ( s ) and I assumed the case was closed, but I discovered the Bankruptcy was placed on my Public Record. I do not believe the Bankruptcy ought to have been placed on my Public Record because I did, in fact, not complete a Bankruptcy. I found a way to pay off my debt on my own and have the documents to prove it. 

I have complained to Experian, XXXX, and XXXX for the last 7 years. XXXX stated that the Bankruptcy is not on my file in their system. However, Experian and XXXX remain steadfast in keeping this erroneous information on my Credit report and I demand it be removed because I never went through with the Bankruptcy. This incorrect information has greatly impacted and affected my life. I was homeless for five years, from late XXXX ( when I discovered the issue trying to rent an apartment and got denied ) up until XXXX XXXX XXXX 

I seek to sue Experian and XXXX, but also, get Federal Trade Commission to reform Bankruptcy rules/law to add that credit agencies can not place Bankruptcy withdrawals or dismissals on consumers ' credit reports. Only complete Bankruptcies that consumers have gone through ought to be placed on consumer 's credit reports, but if they withdraw the credit agencies do not have a right to put Bankruptcy dismissal or withdrawal, because creditors will misconstrue the information.
Consumer complaint received 2024-01-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NY)

My payments have been reversed on the following dates, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

They've only accepted my payments three times on the following dates, XX/XX/XXXX XXXX XXXX 

I emailed them but received no response and their call center is impossible to navigate. It seems this is a common problem with others who use Ed-financial, where their payments are being reversed without explanation.
Consumer complaint received 2024-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MI)

All payment attempts have been reversed by ED Financial, causing my account to go past due. No notification of the reversal was given to me. They send emails thanking you for submitting the payment but do not notify you if the payment is reversed. There was no reason for the payment to be reversed as the bank account info was accurate and sufficiently funded. My bank account does not show any attempted transactions from ED Financial.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

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. 

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  and 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 2016-12-01
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: BlueChip Financial (NJ)

I received a call today from a private number, he said his name was XXXX XXXX and he was calling to make an appointment to get documents signed. When I asked what the call was about, he gave me a number to XXXX, # is XXXX with a reference # also. 
When I called them, I was told it was for a payday loan, I told them I had never taken one out with spotloan. They proceeded to tell me if I did not make an arrangement for {$100.00} today or a payment of almost {$900.00} today, they would take me to court.
Consumer complaint received 2016-06-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (WI)

I had a bill from XXXX hospital that insurance was supposed to pay. After communications back an forth and it going to collections XXXX found out it was a mistake on their part. They had it erasedone from my credit but in the process erased everything I had earned and worked for. Ex : on time payments length of credit number of loans etc. So I had to essentially start over which was never the agreed plan.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

I am writing to file a formal complaint and demand immediate action regarding the inaccurate reporting of a bankruptcy on my credit report by credit bureaus. Despite repeated attempts to rectify this issue, the credit bureaus have failed to provide verifiable proof of the accuracy of this entry. According to information obtained from the court, they do not report bankruptcy information to any credit agencies. Therefore, the credit bureaus ' assertion of accuracy lacks credibility and violates my consumer rights.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (TX)

RE Account Numbers XXXX Affirm, This letter is a formal complaint that you are reporting my nonpublic and personal information without my written consent. Please show me the proof you sent me giving me options on how I could opt out of sharing my nonpublic information and proof showing you gave me the option to not disclose my transaction history each month with a third party. 
The law states a consumer must give written consent to opt out of sharing their nonpublic information to the financial institution. I did this and you stated I did not have that right to opt out. It is a violation to report my transactions or experiences between you and I with a third party or consumer reporting agency without my written consent. It is the policy stated by 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 to insure the security and confidentiality of their customer records and information. This includes protecting against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 

I the consumer should have been given the opportunity, before such information was to be reported which gives me the option to direct you that such information should not be reported. I also should have been explained how I could exercise that nondisclosure option, which I was never advised. I have written multiple times, and you have continued to ignore my written request. 

Your failure to comply with the law and my written request has hurt my ability to obtain credit. Again, I am requesting to opt out of sharing my nonpublic information and for you to remove all my transaction history from all nonaffiliated third parties such as XXXX, XXXX, and XXXX XXXX immediately. Otherwise, I will pursue legal actions for every month my nonpublic information has been reported which could be a fine of {$1000.00} per violation. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

RE Account Numbers- XXXX Bank of America, This letter is a formal complaint that you are reporting my nonpublic and personal information without my written consent. Please show me the proof you sent me giving me options on how I could opt out of sharing my nonpublic information and proof showing you gave me the option to not disclose my transaction history each month with a third party.

The law states a consumer must give written consent to opt out of sharing their nonpublic information to the financial institution. I did this and you stated I did not have that right to opt out. It is a violation to report my transactions or experiences between you and I with a third party or consumer reporting agency without my written consent. It is the policy stated by 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 to insure the security and confidentiality of their customer records and information. This includes protecting against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

I the consumer should have been given the opportunity, before such information was to be reported which gives me the option to direct you that such information should not be reported. I also should have been explained how I could exercise that nondisclosure option, which I was never advised. I have written multiple times, and you have continued to ignore my written request.

Your failure to comply with the law and my written request has hurt my ability to obtain credit. Again, I am requesting to opt out of sharing my nonpublic information and for you to remove all my transaction history from all nonaffiliated third parties such as XXXX immediately. Otherwise, I will pursue legal actions for every month my nonpublic information has been reported which could be a fine of {$1000.00} per violation.

Thank you for your immediate attention to this matter. 

XXXX XXXX XXXX, BENEFICIARY Without Recourse, All Rights Reserved
Consumer complaint received 2024-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (TX)

See the previous XXXX complaints that have been closed without resolution. Barclays has not addressed my complaints or provided evidence of my authorization for this debt. Per the CFPB, once a debt has been disputed, the debt collector must stop all collection activities until it provides you with proof that you actually owe the debt. In addition to the complaints I've filed with the CFPB, I've sent XXXX letters to Barclays Bank Delaware, Office of the President, Attn : XXXX, XXXX XXXX XXXX, XXXX, DE, XXXX, to which I have not received responses. BELOW and attached is the letter I sent XX/XX/year> detailing my request to receive proof that I owe the debt. I have only received an application with a scribbled signature that is not mine but no evidence that I authorized the charge. This is fraud. Please kindly send proof that I authorized the charge as this was charged without my permission. 

" I received your letter dated XX/XX/year> from the CFPB website ( attached ). Ive highlighted statements that are false. I did not state I was to be added on to a separate account as an authorized user. I simply reported the account as fraudulent which is why the account was initially closed. And why would I request to be added as an authorized user if I supposedly signed an application for the credit card ( which I didnt )? Wouldnt the primary card holder be required to add me vs my requesting to be added as an authorized user? I truly dont understand your justification for concluding this is a valid, authorized account. I request a copy of that verbal conversation where I made the statement. 

Regardless of any of the above, the application you provided does not represent my authorization to open the account. In addition, I request validation of the charge to this account in the amount of {$4100.00}. I did not sign the credit card application, and I dont have a contract with the merchant. I did not authorize the purchase of property or sign a contract/agreement for this activity. As this was not authorized, I request documentation of my authorization of the charge. 

Because I am disputing this debt, you should not report it to the credit reporting agencies. Inform them that the debt is disputed, and request they remove it from my credit report. Reporting information that you know to be inaccurate violates the Fair Credit Reporting Act. '' Please provide the XXXX requests ( recording and signed contract ) that provides my authorization for the purchase.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX # XXXX XXXX  # XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

I request that the following actions be taken immediately : Investigation of the mentioned violations.

Removal of the unauthorized accounts from my credit report.

Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ).

Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ).

Notification of the correction to any person who has received my credit report in the past six months.
Consumer complaint received 2024-10-17
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 (VA)

CAPITAL ONE HAS WRONGFULLY WITHHOLD REFUND In XXXX and XXXX of XXXX  I purchased XXXX tickets, each costing {$390.00} to an event called XXXX. The event is held XXXX XXXX XXXX 

On XX/XX/XXXX my ticket was cancelled by the organizers but they refused to give evidence of any wrong doing on our part. They also refused to refund the money. I asked them how can I violated their terms of agreement without event attending the event as yet, they had no answer. I have sent over XXXX emails to them. I disputed this with the credit card company Capital one- the card holder names will be provided when we are contacted and ( Cards ends with XXXX, the other with XXXX ). 

Capital One gave the refund but in a few weeks withdrew it. There is nothing that the company XXXX could have said that gives them the right to my money. The law states that if a company has not provided a service or product the consumer can not be charged. The law supersedes any unfair company policy and terms of agreement. Capital one has aided this unlawful company to illegally take {$1200.00} from me. I would like all of this money and I will report this company to the authorities. Consumers are losing money too often because of unfair business practices such as these. 

The company and the person who wrote XXXX XXXX XXXX XXXX had over 5 months to contact me from the date of purchase but instead they waited until XXXX week before the even to make it difficult for us, including other refunds such as flights and hotels. This is a maleficence act. Any organization that XXXX can refer me to, with regards to reporting this company I would appreciate it. However for this complaint it is specifically for Capital one to refund the full amount to my credit cards.